# EDGAR Filing Document

**Accession Number:** 0001547361
**File Stem:** 0001999371-26-005270
**Filing Date:** 2026-3
**Character Count:** 5951978
**Document Hash:** 546a1eb7848fb2dfe9a5074381eecfe0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-005270.hdr.sgml**: 20260306

**ACCESSION NUMBER**: 0001999371-26-005270

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

**PUBLIC DOCUMENT COUNT**: 61

**CONFORMED PERIOD OF REPORT**: 20260306

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

**FILED AS OF DATE**: 20260306

**DATE AS OF CHANGE**: 20260306

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01951
- **FILM NUMBER:** 26732405

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Morgan Stanley Capital I Inc.
- **CENTRAL INDEX KEY:** 0001547361
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 133291626
- **STATE OF INCORPORATION:** DE

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036
- **BUSINESS PHONE:** 212-761-4000

**MAIL ADDRESS:**
- **STREET 1:** 1585 BROADWAY
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10036

OMB Number: 3235-0675

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

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

**<u>MORGAN STANLEY CAPITAL I INC.</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0001547361</u>

 <u>MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM3</u> <br> (Exact name of issuing entity as specified in its charter)

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

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

Chris Scott, (212) 761-4940

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

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

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

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

**SIGNATURES**

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

**MORGAN STANLEY CAPITAL I INC.**

---

| | | |
|:---|:---|:---|
| Date: March 6, 2026 | By: | /s/ Chris Scott |
|  | Name: | Chris Scott |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 Third Party Due Diligence Report - Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures](ex99-1.htm)

[99.2 Third Party Due Diligence Report - AMC Diligence, LLC Executive Summary](ex99-2.htm)

[Schedule 1 - Exception Grades Report](ex99-2s1.htm)

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

[Schedule 3 - Data Compare Report](ex99-2s3.htm)

[Schedule 4 - Valuation Summary Report](ex99-2s4.htm)

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

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

[99.3 Third Party Due Diligence Report - Clarifii LLC Due Diligence Narrative Report](ex99-3.htm)

[Schedule 1 - Rating Agency Grades Detail Report](ex99-3s1.htm)

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

[Schedule 3 - Data Compare Report](ex99-3s3.htm)

[Schedule 4 - ATR QM Report](ex99-3s4.htm)

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

[99.4 Third Party Due Diligence Report - Clayton Services LLC Due Diligence Narrative Report](ex99-4.htm)

[Schedule 1 - Non ATR QM Upload Report](ex99-4s1.htm)

[Schedule 2 - Conditions Report](ex99-4s2.htm)

[Schedule 3 - Loan Level Tape Compare Report](ex99-4s3.htm)

[Schedule 4 - Rating Agency ATR QM Report](ex99-4s4.htm)

[Schedule 5 - Valuation Summary Report](ex99-4s5.htm)

[Schedule 6 - Waived Conditions Report](ex99-4s6.htm)

[99.5 Third Party Due Diligence Report - Consolidated Analytics, Inc. Executive Summary](ex99-5.htm)

[Schedule 1 - Due Diligence Standard Report (Set #1, 36 loans)](ex99-5s1.htm)

[Schedule 2 - Rating Agency Grades Summary Report (Set #1, 36 loans)](ex99-5s2.htm)

[Schedule 3 - Valuations Summary Report (Set #1, 36 loans)](ex99-5s3.htm)

[Schedule 4 - Data Compare Report (Set #1, 36 loans)](ex99-5s4.htm)

[Schedule 5 - Property Supplemental Report (Set #1, 36 loans)](ex99-5s5.htm)

[Schedule 6 - Due Diligence Standard Report (Set #2, 202 loans)](ex99-5s6.htm)

[Schedule 7 - Rating Agency Grades Summary Report (Set #2, 202 loans)](ex99-5s7.htm)

[Schedule 8 - Valuations Summary Report (Set #2, 202 loans)](ex99-5s8.htm)

[Schedule 9 - Data Compare Report (Set #2, 202 loans)](ex99-5s9.htm)

[Schedule 10 - Property Supplemental Report (Set #2, 202 loans)](ex99-5s10.htm)

[99.6 Third Party Due Diligence Report - Digital Risk Narrative](ex99-6.htm)

[Schedule 1 - Data Integrity Report](ex99-6s1.htm)

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

[Schedule 3 - Rating Agency Grades Report](ex99-6s3.htm)

[Schedule 4 - Valuation Report](ex99-6s4.htm)

[99.7 Third Party Due Diligence Report - Selene Diligence LLC Due Diligence Narrative Report](ex99-7.htm)

[Schedule 1 - Rating Agency Grades Summary Report](ex99-7s1.htm)

[Schedule 2 - Valuation Report](ex99-7s2.htm)

[Schedule 3 - Data Compare Report](ex99-7s3.htm)

[Schedule 4 - Standard Findings Report](ex99-7s4.htm)

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

[Schedule 6 - Rating Agency Multi-Property Valuation Report](ex99-7s6.htm)

## Exhibit 99.1

**Exhibit 99.1**

---

| | | |
|:---|:---|:---|
| ![](image_002.gif) | **Ernst & Young LLP**<br> One Manhattan West<br> New York, NY 10001 | Tel: +1 212 773 3000<br> ey.com |

---

**Report of Independent Accountants on Applying Agreed-Upon Procedures**

6 March 2026

Morgan Stanley Mortgage Capital Holdings LLC (the "Sponsor")

Morgan Stanley Capital I Inc. (the "Depositor")

Morgan Stanley & Co. LLC (the "Initial Purchaser")

1585 Broadway

New York, New York 10036

**Re:** 

**Morgan Stanley Residential Mortgage Loan Trust 2026-NQM3 (the "Issuing Entity")**

**Mortgage Pass-Through Certificates, Series 2026-NQM3 (the "Certificates")**

**Sample Mortgage Loan Agreed-Upon Procedures**

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Sponsor, Depositor and Initial Purchaser (collectively, the "Specified Parties"), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a pool of mortgage loans (the "Mortgage Loans") relating to the Issuing Entity's securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

For the purpose of the procedures described in this report, the Initial Purchaser, on behalf of the Depositor, provided us with:

a. Electronic
 data files (collectively, the "Provided Data Files"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Labeled
 "MSRM 2026-NQM3 Prelim Population.xlsx" (the "Loan Listing Data File"),
 that the Initial Purchaser, on behalf of the Depositor, indicated contains a list of identification
 numbers (each, an "Investor Loan ID") relating to certain mortgage loans (the "Base
 Preliminary Mortgage Loans") which are expected to be representative of the Mortgage
 Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Labeled "MSRM_2026_NQM3_EY_Tape.xlsx"
 and the corresponding record layout and decode information, as applicable (the "Preliminary
 Data File"), that the Initial Purchaser, on behalf of the Depositor, indicated contains
 information as of 1 March 2026 (the "Cut-off Date") relating
 to certain mortgage loans (the "Preliminary Mortgage Loans") which are expected
 to be representative of the Mortgage Loans,

Page 2 of 3

![](image_002.gif)

b. Imaged
 copies of the following items (collectively, the "Source Documents"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Promissory
 note or loan agreement (collectively and as applicable, the "Note"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Credit
 report (the "Credit Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan
 application, occupancy affidavit, warranty deed and/or commercial loan application (collectively
 and as applicable, the "Application"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Underwriting
 summary, summary of findings, loan product advisor feedback certificate and/or conditional
 underwriting approval (collectively and as applicable, the "Underwriting Summary"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Appraisal
 report (the "Appraisal"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Fraud
 report (the "Fraud Report"),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Contract
 for the sale and purchase of real estate, assignment of purchase contract interest and/or
 sale escrow instructions (collectively and as applicable, the "Sale Contract")
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Settlement
 statement or closing disclosure (collectively and as applicable, the "Settlement
 Statement")

that the Initial Purchaser, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

c. The
 list of relevant characteristics (the "Sample Characteristics") on the Preliminary Data File,
 which is shown on Exhibit 1 to Attachment A, and

d. Instructions,
 assumptions and methodologies, which are described in Attachment A.

For the purpose of the procedures described in this report, certain information on the Preliminary Data File is the "Subject Matter" as of the date of this report.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Provided Data Files, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Loan Listing Data File, Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by the Initial Purchaser, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Base Preliminary Mortgage Loans, Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions or methodologies provided to us by the Initial Purchaser, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

Page 3 of 3

![](image_002.gif)

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying
 any criteria for due diligence published by a nationally recognized statistical rating organization
 (a "rating agency") or

b. Making
 any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether
 the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting
 or credit extension guidelines, standards, criteria, or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 value of the collateral securing the Mortgage Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether
 the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations
 or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any
 other factor or characteristic of the Mortgage Loans that would be material to the likelihood
 that the issuer of the Certificates will pay interest and principal in accordance with applicable
 terms and conditions.

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable, for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

6 March 2026

**Attachment A**

![](image_002.gif)

**<u>Procedures performed and our associated findings</u>**

1. As
 instructed by the Initial Purchaser, on behalf of the Depositor, we randomly selected a sample
 of 355 Base Preliminary Mortgage Loans from the Loan Listing Data File (the "Sample
 Mortgage Loans"). For the purpose of this procedure, the Initial Purchaser, on behalf
 of the Depositor, did not inform us as to the basis for how they determined the number of
 Sample Mortgage Loans or the methodology they instructed us to use to select the Sample Mortgage
 Loans from the Loan Listing Data File.

For the purpose of the procedures described in this report, the 355 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 355.

2. For
 each mortgage loan on the Loan Listing Data File and Preliminary Data File, we compared the
 Investor Loan ID, as shown on the Loan Listing Data File, to the corresponding Investor Loan
 ID, as shown on the Preliminary Data File, and noted that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All
 of the Preliminary Mortgage Loans were included on both the Preliminary Data File and Loan
 Listing Data File and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. One
 of the Base Preliminary Mortgage Loans included on the Loan Listing Data File was not included
 on the Preliminary Data File, which was not a Sample Mortgage Loan.

3. For
 each Sample Mortgage Loan, we compared the Sample Characteristics listed on Exhibit 1
 to Attachment A, as shown on the Preliminary Data File, to the corresponding information
 located in, or to the corresponding information we recalculated using information located
 in, the Source Documents or Preliminary Data File, as applicable, subject to the instructions,
 assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor,
 described in the notes to Exhibit 1 to Attachment A. The Source Document(s) that
 we were instructed by the Initial Purchaser, on behalf of the Depositor, to use for each
 Sample Characteristic are shown on Exhibit 1 to Attachment A. Except for the information
 shown on Exhibit 2 to Attachment A, all such compared information was found to be in
 agreement.

**Exhibit 1 to Attachment A**

Page 1 of 7

**<u>Sample Characteristics and Source Documents</u>**

---

| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary<br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Loan number | Loan Number | Note |
| Original principal balance | Original Principal Balance | Note |
| Original interest rate | Original Interest Rate | Note |
| First payment date | First Payment Date | Note |
| Maturity date | Maturity Date | Note |
| Property state | Property State | Note |
| Property zip code | Property Zip Code | Note |
| Original term | Original Term | (a) Note or<br> (b) Note and recalculation |
| Original interest only term | Original Interest Only Term | (a) Note or<br> (b) Note and recalculation |
| Prepayment charge term | Prepayment Charge Term | Note |
| Occupancy status | Occupancy Status | Application or Underwriting Summary |
| Appraisal value | Appraisal Value | Appraisal |
| Property type | Property Type | Appraisal or Underwriting Summary |
| Sale price | Sale Price | Sale Contract or Settlement Statement |
| Loan purpose | Loan Purpose | Application, Fraud Report, Credit Report or recalculation |
| Junior lien balance | Junior Lien Balance | Underwriting Summary, Application, Settlement Statement or Credit Report |
| Index description | Index Description | Note |
| Gross margin | Gross Margin | Note |
| Initial fixed rate period | Initial Fixed Rate Period | (a) Note or<br> (b) Note and recalculation |
| Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | Note |

---

**Exhibit 1 to Attachment A**

Page 2 of 7

---

| | | |
|:---|:---|:---|
| **<u>Sample Characteristic</u>** | **Preliminary<br> <u>Data File Field Name</u>** | **<u>Source Document(s)</u>** |
| Initial interest rate cap change up | Initial Interest Rate Cap Change Up | (a) Note or<br> (b) Note and recalculation |
| Initial interest rate cap change down | Initial Interest Rate Cap Change Down | Note and recalculation |
| Subsequent interest rate change up | Subsequent Interest Rate Change Up | Note |
| Subsequent interest rate change down | Subsequent Interest Rate Change Down | Note |
| Maximum interest rate | Maximum Interest Rate | Note |
| Minimum interest rate | Minimum Interest Rate | Note or Settlement Statement |
| Original loan-to-value ratio | Original LTV | Recalculation |
| Combined loan-to-value ratio | Original Combined LTV | Recalculation |

---

**Exhibit 1 to Attachment A**

Page 3 of 7

**<u>Notes</u>:**

i. The
 loan number Sample Characteristic is for identification purposes only.

ii. For
 the purpose of comparing the original term Sample Characteristic for any Sample Mortgage
 Loan that does not have the original term specifically stated in the Note, the Initial Purchaser,
 on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the maturity date and first payment date, both as shown in the
 Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iii. For
 the purpose of comparing the original interest only term Sample Characteristic for any Sample
 Mortgage Loan that does not have the original interest only term specifically stated in the
 Note, the Initial Purchaser, on behalf of the Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the interest only end date and first payment date, both as shown
 in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

iv. For
 the purpose of comparing any Sample Characteristic listing the Application as a Source Document
 for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor,
 provided more than one Application, the Initial Purchaser, on behalf of the Depositor, instructed
 us to use the most recent Application as the Source Document.

v. For
 the purpose of comparing the occupancy status Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the occupancy
 status Sample Characteristic.

vi. For
 the purpose of comparing any Sample Characteristic listing the Appraisal as a Source Document
 for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of the Depositor,
 provided more than one Appraisal (except for the appraisal value Sample Characteristic for
 Sample Mortgage Loan Numbers 54, 58, 157 and 280), the Initial Purchaser, on behalf of the
 Depositor, instructed us to use the Appraisal with the lowest appraisal value as the Source
 Document.

For the purpose of comparing the appraisal value Sample Characteristic for Sample Mortgage Loan Number 58, the Initial Purchaser, on behalf of the Depositor, instructed us to use the Appraisal with the earliest appraisal date as the Source Document.

For the purpose of comparing the appraisal value Sample Characteristic for Sample Mortgage Loan Numbers 54, 157 and 280, the Initial Purchaser, on behalf of the Depositor, instructed us to use the Appraisal with the highest appraisal value as the Source Document.

**Exhibit 1 to Attachment A**

Page 4 of 7

vii. For
 the purpose of comparing the appraisal value Sample Characteristic for any Sample Mortgage
 Loan for which the Initial Purchaser, on behalf of the Depositor, provided Source Document(s)
 for each mortgaged property relating to such Sample Mortgage Loan, the Initial Purchaser,
 on behalf of the Depositor, instructed us to use the sum of the appraisal values for the
 related mortgaged properties, as shown in the corresponding Source Document(s).

viii. For
 the purpose of comparing the property type Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the property
 type Sample Characteristic.

For the purpose of comparing the property type Sample Characteristic (except for Sample Mortgage Loan Numbers 161, 246 and 340), the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Townhouse"
 if the design (style) is "Twnhse," "Townhouse," "TownHm"
 or "TownHome,"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Townhouse"
 if the type is "S-Det./End Unit" and the Appraisal indicates that HOA dues are
 required,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) "1 Family
 Attached" if the type is "S-Det./End Unit" and the design (style) is "Row,"
 "Duplex," "Semi-Det," "COL," "Semi," "MillHse,"
 "Ranch," "Row House," "Twin," "SD2;Colonial-ED"
 or "Raised Beach" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) "1 Family
 Attached" if the design (style) is "Townhouse" and the Appraisal indicates
 that no HOA dues are required,

as shown in the applicable Source Document.

For the purpose of comparing the property type Sample Characteristic for Sample Mortgage Loan Numbers 161, 246 and 340, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a property type of 'PUD'.

ix. For
 the purpose of comparing any Sample Characteristic listing the Settlement Statement as a
 Source Document for any Sample Mortgage Loan for which the Initial Purchaser, on behalf of
 the Depositor, provided more than one Settlement Statement, the Initial Purchaser, on behalf
 of the Depositor, instructed us to use the most recent Settlement Statement as the Source
 Document.

x. For
 the purpose of comparing the sale price Sample Characteristic, the Initial Purchaser, on
 behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the sale price
 Sample Characteristic.

**Exhibit 1 to Attachment A**

Page 5 of 7

xi. For
 the purpose of comparing the loan purpose Sample Characteristic for any Sample Mortgage Loan
 with a loan purpose of "First Time Home Purchase" or "Other-than-first-time
 Home Purchase," as shown on the Preliminary Data File (each, a "Purchase
 Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed
 us to note agreement if the value on the Preliminary Data File agreed with the corresponding
 information in at least one of the Source Documents listed for such Sample Characteristic.
 We performed no procedures to reconcile any differences that may exist relating to the information
 in the Source Documents relating to the loan purpose Sample Characteristic for any Purchase
 Sample Mortgage Loan.

For any remaining Sample Mortgage Loan (each, a "Refinanced Sample Mortgage Loan"), the Initial Purchaser, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Sum
 of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Unpaid
 principal balance of any previous mortgage loan that is being refinanced, as shown in the
 Settlement Statement, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) Total
 closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement
 Statement.

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 145 and 352), the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) "Refinance
 – Cash Out" if the Amount to Borrower is greater than the lesser of (i) $2,000
 and (ii) 1% of the original principal balance, as shown in the Note, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) "Refinance
 – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

For Sample Mortgage Loan Numbers 145 and 352, the Initial Purchaser, on behalf of the Depositor, instructed us to note agreement with a loan purpose of "Refinance – Rate Term" if the Amount to Borrower is less than the lesser of (i) $5,000 and (ii) 5% of the original principal balance, as shown in the Note.

xii. For
 the purpose of comparing the junior lien balance Sample Characteristic, the Initial Purchaser,
 on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary
 Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences
 that may exist relating to the information in the Source Documents relating to the junior
 lien balance Sample Characteristic.

**Exhibit 1 to Attachment A**

Page 6 of 7

xiii. The
 Initial Purchaser, on behalf of the Depositor, instructed us not to perform any procedures
 with respect to the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Index
 description,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Gross
 margin,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial
 fixed rate period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Subsequent
 interest rate reset period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Initial
 interest rate cap change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) Initial
 interest rate cap change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g) Subsequent
 interest rate change up,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(h) Subsequent
 interest rate change down,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) Maximum
 interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j) Minimum
 interest rate

Sample Characteristics for any Sample Mortgage Loan with a gross margin value of "0.000(%)" or , as shown on the Preliminary Data File.

xiv. For
 the purpose of comparing the initial fixed rate period Sample Characteristic for any Sample
 Mortgage Loan with a gross margin value greater than "0.000(%)," as shown in
 the Note (each, an "ARM Sample Mortgage Loan"), that does not have the initial
 fixed rate period specifically stated in the Note, the Initial Purchaser, on behalf of the
 Depositor, instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference in months between the first rate change date and first payment date, both as shown
 in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 1.

xv. For
 the purpose of comparing the initial interest rate cap change up Sample Characteristic for
 any ARM Sample Mortgage Loan that does not have the initial interest rate cap change up specifically
 stated in the Note, the Initial Purchaser, on behalf of the Depositor, instructed us to use
 the difference between the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Initial
 rate adjustment maximum interest rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Original
 interest rate,

both as shown in the Note.

xvi. For
 the purpose of comparing the initial interest rate cap change down Sample Characteristic
 for any ARM Sample Mortgage Loan that does not have the initial interest rate cap change
 down specifically stated in the Note, the Initial Purchaser, on behalf of the Depositor,
 instructed us to use the maximum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The
 difference between 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;(1) Original
 interest rate 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;(2) Initial
 rate adjustment minimum interest rate,

both as shown in the Note, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) 0.000(%).

xvii. For
 the purpose of comparing the minimum interest rate Sample Characteristic for any ARM Sample
 Mortgage Loan that does not have the minimum interest rate specifically stated in the Note
 or Settlement Statement, the Initial Purchaser, on behalf of the Depositor, instructed us
 to use the gross margin, as shown in the Note, as the minimum interest rate.

**Exhibit 1 to Attachment A**

Page 7 of 7

xviii. The
 Initial Purchaser, on behalf of the Depositor, instructed us to use:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) For
 any Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as shown in the
 Appraisal, and (2) sale price, as shown in the Sale Contract or Settlement Statement,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) For
 any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Numbers 121, 309 and
 310), the appraisal value, as shown in the Appraisal,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) For
 Sample Mortgage Loan Number 121, the prior sale price, as shown in the Appraisal, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) For
 Sample Mortgage Loan Numbers 309 and 310, the value used for LTV, as shown on the Preliminary
 Data File,

as the "Value for LTV."

xix. For
 the purpose of comparing the original loan-to-value ratio Sample Characteristic, the Initial
 Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the
 fourth decimal place (X.XXXX)) of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Original
 principal balance, as shown in the Note, divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value for LTV.

xx. For
 the purpose of comparing the combined loan-to-value ratio Sample Characteristic, the Initial
 Purchaser, on behalf of the Depositor, instructed us to use the quotient (rounded to the
 fourth decimal place (X.XXXX)) of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Sum
 of the original principal balance, as shown in the Note, and junior lien balance, as shown
 in the applicable Source Document(s), divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Value
 for LTV.

xxi. For
 the purpose of comparing the original loan-to-value ratio and combined loan-to-value ratio
 Sample Characteristics, the Initial Purchaser, on behalf of the Depositor, instructed us
 to ignore differences of +/- 0.0001 or less.

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Initial Purchaser, on behalf of the Depositor, that are described in the notes above.

**Exhibit 2 to Attachment A**

Page 1 of 2

**<u>Sample Characteristic Differences</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage<br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 11 | Appraisal value | [Redacted] | [Redacted] |
|  | Original loan-to-value ratio | 75.00 | 82.57 |
|  | Combined loan-to-value ratio | 75.00 | 82.57 |
| 15 | Appraisal value | [Redacted] | [Redacted] |
| 53 | Appraisal value | [Redacted] | [Redacted] |
| 72 | Appraisal value | [Redacted] | [Redacted] |
|  | Property type | Single Family Detached (non-PUD) | 1 Family Attached |
| 134 | Loan purpose | Other-than-first-time Home Purchase | First-time Home Purchase |
| 156 | Property type | 1 Family Attached | Single Family Detached (non-PUD) |
| 159 | Appraisal value | [Redacted] | [Redacted] |
| 182 | Appraisal value | [Redacted] | [Redacted] |
| 204 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 211 | Appraisal value | [Redacted] | [Redacted] |
| 212 | Initial interest rate cap change up | 0.000 | 2.000 |
|  | Initial interest rate cap change down | 5.140 | 0.000 |
|  | Minimum interest rate | 2.000 | 7.140 |
| 214 | Loan purpose | Refinance – Rate Term | Refinance – Cash out |
| 240 | Loan purpose | Refinance – Rate Term | Refinance – Cash out |

---

**Exhibit 2 to Attachment A**

Page 2 of 2

---

| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage<br> <u>Loan Number</u>** | **<u>Sample Characteristic</u>** | **<u>Preliminary Data File Value</u>** | **<u>Source Document Value</u>** |
| 259 | Appraisal value | [Redacted] | [Redacted] |
|  | Original loan-to-value ratio | 75.00 | 82.64 |
|  | Combined loan-to-value ratio | 75.00 | 82.64 |
| 300 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 331 | Property type | 1 Family Attached | Townhouse |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex9902001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired from various parties by Morgan Stanley Mortgage Capital Holdings LLC and/or one of its affiliates (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via Reliance Letter. The Review (including the Review related to Reliance Letter loans) was conducted from April 2025 through February 2026 on mortgage loans with origination dates from January 2025 through January 2026. The Review included loans reviewed under the Credit and Compliance Scope (267 mortgage loans) and the Leases Review Scope (161 loans), and the Leases Review Scope with Limited Compliance (160 loans). The mortgage loans (Credit and Compliance Scope) and the loans (Leases Review Scopes) are together referred to as the Loans.

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

The Review was conducted on five hundred eighty-eight (588) mortgage loans with an aggregate original principal balance of approximately $260.673 million. During the course of the securitization evaluation process, the Client removed loans that were reviewed by AMC from the securitization. The initial population included six hundred four (604) mortgage loans with an aggregate original principal balance of approximately $269.592 million.

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

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

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;1003 - Originator Name | &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Total PITIA |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;City | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;PITIA Reserves Months |  |

---

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<u>Borrower Current Zip</u> <u>Coborrower Citizenship</u> <u>Doc Type</u> <u>MERS Min Number</u> <u>Prepayment Penalty</u>   <br> <u>Borrower Designation</u> <u>Coborrower Designation</u> <u>Escrow Account</u> <u>Mortgage Type</u> <u>Prepayment Penalty Period (months)</u>  

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

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

**<u>CREDIT REVIEW (267 Loans)</u>**

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

AMC reviewed asset origination documentation 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 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 guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property,

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lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines.

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

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

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

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

**Title Review:** AMC's review included a 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(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

**<u>LEASES REVIEW (321 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

**Title:** AMC will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC will also review the Title Commitment for the disclosure issues such as assessments; covenants, conditions and restrictions); access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC will review for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, AMC will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

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

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

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

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

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

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

**(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.

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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.

**Credit/Valuation/Limited Compliance Investment Occupancy Only (Exempt from ATR)**

This scope is limited to loans identified with an Occupancy type of Investment which is determined when the documentation provided in the loan file meets the following criteria:

● The consumer signed final 1003 reflects the occupancy as Investment; and

● The consumer's declarations on the final 1003 do not indicate that they intend to occupy the subject property; and

● The appraisal and occupancy certificate (if present in the loan file), do not indicate the consumer occupies or intends to occupy the subject property; and

● At least one of the following:

○ The appraisal indicates the property is tenant occupied; or

○ The file contains a business purpose certificate; or

○ The file contains an occupancy certificate attesting that the property will not be occupied as the consumer's primary residence or as the consumer's second home; or

○ The file includes other documentation evidencing investment occupancy.

Loans that do not meet the above criteria will be transferred to one of the other Scopes for review.

**<u>COMPLIANCE REVIEW (267 Loans)</u>**

Please be advised that AMC will 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 will uncover 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 will uncover 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.

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 any report prepared by AMC does 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.

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

**(I) 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.

**(II) State Compliance Review applicable to non-owner occupied loans:**

AMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>High Cost testing in Chicago Illinois and Cook County Illinois;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Higher Priced testing in Connecticut, and Minnesota;</u> 

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Other applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and Vermont, and</u> 

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>State specific prepayment penalty and late charge testing applicable to non-owner occupied loans.</u> 

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified 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 |

---

---

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

---

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

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

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

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

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

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

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

*<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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the 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;

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&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.

**<u>LEASES & LIMITED COMPLIANCE REVIEW (160 Loans)</u>**

Includes Leases Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:** 

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming,
 and Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied
 loans.

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

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

**(9) Disclaimer.**

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

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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 DBRS, Inc. ("DBRS"), Kroll Bond Rating Agency, LLC ("Kroll"), Moody's Investors Service, Inc. ("Moody's", and S&P Global Ratings ("S&P").

**OVERALL RESULTS SUMMARY**

There were five hundred eighty-eight (588) mortgage loans in the securitization population reviewed by AMC. After all documents were presented under the applicable NRSRO grading criteria, three hundred fifty-eight (358) (60.88%) loans had an Overall grade of "A", and two hundred thirty (230) (39.12%) loans had an Overall loan grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;358 | &nbsp;&nbsp;60.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;230 | &nbsp;&nbsp;39.12% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**COMPLIANCE RESULTS SUMMARY**

Note the one hundred sixty-one (161) Leases (without Limited Compliance) were assigned a Compliance grade of N/A. Of the remaining four hundred twenty-seven (427) loans reviewed, under the applicable NRSRO grading criteria, one hundred sixty-four (164) had a Compliance Review "B" grade. Loans with a Compliance Review grade of "B" may have multiple compliance exceptions; however, none are lower than a grade of "B."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;263 | &nbsp;&nbsp;44.73% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;164 | &nbsp;&nbsp;27.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;161 | &nbsp;&nbsp;27.38% |

---

**CREDIT RESULTS SUMMARY**

Of the five hundred eighty-eight (588) mortgage loans, five hundred forty-two (542) loans received an "A" Credit Review grade. The forty-xix (46) "B" Credit Review grades were due to missing documentation and/or guideline adherence. Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;A | &nbsp;&nbsp;542 | &nbsp;&nbsp;92.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;7.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Of the five hundred eighty-eight (588) loans reviewed under the applicable DBRS, Kroll, and Moody's NRSRO grading criteria, five hundred forty-three (543) loans received an "A" Property/Valuation Review grade. The forty-five (45) "B" Property/Valuation Review grades were due to missing documentation and/or guideline adherence.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS, Kroll, & Moody's Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;543 | &nbsp;&nbsp;92.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;7.65% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Of the five hundred eighty-eight (588) loans reviewed under the applicable S&P NRSRO grading criteria, five hundred forty-two (542) loans received an "A" Property/Valuation Review grade. The forty-six (46) "B" Property/Valuation Review grades were due to missing documentation and/or guideline adherence.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;542 | &nbsp;&nbsp;92.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;7.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS, Kroll, & Moody's Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;94 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |

---

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---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***201*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**201** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &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;***50*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**50** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***45*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**45** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**296** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;94 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***201*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**201** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &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;***50*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**50** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***46*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**46** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**297** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred eighty-eight (588) mortgage loans reviewed, four hundred thirty-two (432) (73.47%) mortgage loans had tape discrepancies across forty-four (44) unique data fields. The most common tape discrepancies were Note Date, Street and Original PITIA. AMC found generally that the DSCR and DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;2 | &nbsp;&nbsp;327 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;1003 - Originator Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;13 | &nbsp;&nbsp;271 | &nbsp;&nbsp;4.80% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;275 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;234 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Birth Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;60 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Current City | &nbsp;&nbsp;5 | &nbsp;&nbsp;17 | &nbsp;&nbsp;29.41% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Current State | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Current Street | &nbsp;&nbsp;9 | &nbsp;&nbsp;17 | &nbsp;&nbsp;52.94% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Current Zip | &nbsp;&nbsp;7 | &nbsp;&nbsp;17 | &nbsp;&nbsp;41.18% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;405 | &nbsp;&nbsp;2.72% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;137 | &nbsp;&nbsp;2.92% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;573 | &nbsp;&nbsp;0.87% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Mailing City | &nbsp;&nbsp;18 | &nbsp;&nbsp;79 | &nbsp;&nbsp;22.78% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Mailing State | &nbsp;&nbsp;8 | &nbsp;&nbsp;79 | &nbsp;&nbsp;10.13% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Mailing Street | &nbsp;&nbsp;25 | &nbsp;&nbsp;79 | &nbsp;&nbsp;31.65% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Mailing Zip | &nbsp;&nbsp;20 | &nbsp;&nbsp;79 | &nbsp;&nbsp;25.32% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Middle Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;2.50% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;6 | &nbsp;&nbsp;282 | &nbsp;&nbsp;2.13% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;11 | &nbsp;&nbsp;577 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Birth Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;168 | &nbsp;&nbsp;5.36% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;149 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;168 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;168 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Mailing City | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Coborrower Mailing State | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Mailing Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Mailing Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Middle Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower Self-Employed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;168 | &nbsp;&nbsp;2.98% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;61 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;22 | &nbsp;&nbsp;74 | &nbsp;&nbsp;29.73% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;161 | &nbsp;&nbsp;16.77% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;49 | &nbsp;&nbsp;449 | &nbsp;&nbsp;10.91% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;226 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Hard Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;5 | &nbsp;&nbsp;258 | &nbsp;&nbsp;1.94% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;210 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;59 | &nbsp;&nbsp;254 | &nbsp;&nbsp;23.23% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;231 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;318 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;37 | &nbsp;&nbsp;8.11% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;213 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;112 | &nbsp;&nbsp;333 | &nbsp;&nbsp;33.63% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;580 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;32 | &nbsp;&nbsp;432 | &nbsp;&nbsp;7.41% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original HCLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5.88% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;11 | &nbsp;&nbsp;565 | &nbsp;&nbsp;1.95% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;20 | &nbsp;&nbsp;582 | &nbsp;&nbsp;3.44% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;357 | &nbsp;&nbsp;5.32% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;65 | &nbsp;&nbsp;150 | &nbsp;&nbsp;43.33% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;4 | &nbsp;&nbsp;465 | &nbsp;&nbsp;0.86% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;231 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;220 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;9 | &nbsp;&nbsp;367 | &nbsp;&nbsp;2.45% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;248 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;52 | &nbsp;&nbsp;582 | &nbsp;&nbsp;8.93% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;582 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;35 | &nbsp;&nbsp;250 | &nbsp;&nbsp;14.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;54 | &nbsp;&nbsp;565 | &nbsp;&nbsp;9.56% | &nbsp;&nbsp;588 |

---

18 \| P a g e

![](ex9902001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;577 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;74 | &nbsp;&nbsp;577 | &nbsp;&nbsp;12.82% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;28 | &nbsp;&nbsp;184 | &nbsp;&nbsp;15.22% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Total PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;1 | &nbsp;&nbsp;76 | &nbsp;&nbsp;1.32% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;4 | &nbsp;&nbsp;583 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;588 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**861** | &nbsp;&nbsp;**16214** | &nbsp;&nbsp;**5.31%** | &nbsp;&nbsp;**588** |

---

**ADDITIONAL 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;584 | &nbsp;&nbsp;99.32% | &nbsp;&nbsp;$257301471.00 | &nbsp;&nbsp;98.71% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.68% | &nbsp;&nbsp;$3371850.00 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**588** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$260673321.00** | &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;588 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$260673321.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**588** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$260673321.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;195 | &nbsp;&nbsp;33.16% | &nbsp;&nbsp;$63479166.00 | &nbsp;&nbsp;24.35% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.06% | &nbsp;&nbsp;$10114184.00 | &nbsp;&nbsp;3.88% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.95% | &nbsp;&nbsp;$18527792.00 | &nbsp;&nbsp;7.11% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;272 | &nbsp;&nbsp;46.26% | &nbsp;&nbsp;$131950014.00 | &nbsp;&nbsp;50.62% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;68 | &nbsp;&nbsp;11.56% | &nbsp;&nbsp;$36602165.00 | &nbsp;&nbsp;14.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**588** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$260673321.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$380000.00 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;582 | &nbsp;&nbsp;98.98% | &nbsp;&nbsp;$258718021.00 | &nbsp;&nbsp;99.25% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$1575300.00 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**588** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$260673321.00** | &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;315 | &nbsp;&nbsp;53.57% | &nbsp;&nbsp;$130436368.00 | &nbsp;&nbsp;50.04% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;33 | &nbsp;&nbsp;5.61% | &nbsp;&nbsp;$11260450.00 | &nbsp;&nbsp;4.32% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.70% | &nbsp;&nbsp;$5600900.00 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;112 | &nbsp;&nbsp;19.05% | &nbsp;&nbsp;$72352083.00 | &nbsp;&nbsp;27.76% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.19% | &nbsp;&nbsp;$2330923.00 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.53% | &nbsp;&nbsp;$2584600.00 | &nbsp;&nbsp;0.99% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;69 | &nbsp;&nbsp;11.73% | &nbsp;&nbsp;$19163315.00 | &nbsp;&nbsp;7.35% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;$7172770.00 | &nbsp;&nbsp;2.75% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.38% | &nbsp;&nbsp;$4821812.00 | &nbsp;&nbsp;1.85% |

---

19 \| P a g e

![](ex9902001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.85% | &nbsp;&nbsp;$4950100.00 | &nbsp;&nbsp;1.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**588** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$260673321.00** | &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;143 | &nbsp;&nbsp;24.32% | &nbsp;&nbsp;$105079072.00 | &nbsp;&nbsp;40.31% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;410 | &nbsp;&nbsp;69.73% | &nbsp;&nbsp;$132249589.00 | &nbsp;&nbsp;50.73% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;35 | &nbsp;&nbsp;5.95% | &nbsp;&nbsp;$23344660.00 | &nbsp;&nbsp;8.96% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**588** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$260673321.00** | &nbsp;&nbsp;**100.00%** |

---

20 \| P a g e

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 1 - Exception Grades Report**

![](ex99_001.gif)

**Exception Grades**

**Run Date - 3/4/2026 3:37:07 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| [Redact] | 9153194 | [Redact] |  | 33513359 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-06-03): Received updated hazard insurance policy with Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-06-02): [Redacted] - Application see page 2 of file of the [Redacted] RC estimator calculation<br>Reviewer Comment (2025-05-30): The RCE or confirmation from the insurance company verifying the policy includes guaranteed replacement cost coverage is required. Condition remains<br>Seller Comment (2025-05-30): Be advised that in the State of [Redacted], Banks are barred from using appraisal to calculate RC cost. Additionally [Redacted] has it internal RC calculator that is in compliance with [Redacted] statues. | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9153202 | [Redact] |  | 33526324 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate not provided. |  |  |  | Reviewer Comment (2025-06-02): Appraisal report used as an alternative document. Exception Cleared.<br>Seller Comment (2025-05-30): Appraisal uploaded | 06/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9153205 | [Redact] |  | 33522044 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The file was missing a copy of the Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-06-03): Received Business Entity Listning. Exception Cleared.<br>Seller Comment (2025-06-02): Entity is Good standing as of [Redacted] | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9153206 | [Redact] |  | 33520709 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The Authorization to obtain consumer and credit reports and release is missing in the file. |  |  |  | Reviewer Comment (2025-05-30): Credit authorization provided<br>Seller Comment (2025-05-29): Credit authorization uploaded | 05/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153206 | [Redact] |  | 33520958 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file is missing a copy of the final HUD. The Funding Statement in file has conflicting information and unable to determine the cash from or cash to the borrower as the payoff is different on page 1 vs page 2. |  |  |  | Reviewer Comment (2025-06-03): Funds to close were from the refi of another REO. Funding statement provided<br>Seller Comment (2025-06-02): The borrower paid the rest with his funds from loan [Redacted] and covered the cash reserve requirement - please see just above where you see payoff on second page .HUD for [Redacted] uploaded<br>Reviewer Comment (2025-05-30): An additional copy of the funding statement from the original file was provided. Page 1 identified the payoff as $[Redacted]1 and page 2 identified it as $[Redacted]. As-is, the funding statement shows $[Redacted] due from the borrower and there are insufficient assets/reserves verified. Condition remains<br>Seller Comment (2025-05-29): Funding statement uploaded | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153206 | [Redact] |  | 33521012 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | The file is missing a copy of the final HUD. The Funding Statement in file has conflicting information and unable to determine the cash from or cash to the borrower as the payoff is different on page 1 vs page 2. |  |  |  | Reviewer Comment (2025-06-03): Funds to close were from the refi of another REO. Funding statement provided<br>Seller Comment (2025-06-02): The borrower paid the rest with his funds from loan [Redacted] and covered the cash reserve requirement - please see just above where you see payoff on second page .HUD for [Redacted] uploaded | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153206 | [Redact] |  | 33521014 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file is missing a copy of the final HUD. The Funding Statement in file has conflicting information and unable to determine the cash from or cash to the borrower as the payoff is different on page 1 vs page 2. |  |  |  | Reviewer Comment (2025-06-03): Funds to close were from the refi of another REO. Funding statement provided<br>Seller Comment (2025-06-02): The borrower paid the rest with his funds from loan [Redacted] and covered the cash reserve requirement - please see just above where you see payoff on second page .HUD for [Redacted] uploaded | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153206 | [Redact] |  | 33521018 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | The file is missing a copy of the final HUD. The Funding Statement in file has conflicting information and unable to determine the cash from or cash to the borrower as the payoff is different on page 1 vs page 2. |  |  |  | Reviewer Comment (2025-06-03): Funds to close were from the refi of another REO. Funding statement provided<br>Seller Comment (2025-06-02): The borrower paid the rest with his funds from loan [Redacted] and covered the cash reserve requirement - please see just above where you see payoff on second page .HUD for [Redacted] uploaded | 06/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153231 | [Redact] |  | 33529060 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Authorization to obtain consumer and credit reports and release not provided. |  |  |  | Reviewer Comment (2025-05-30): Received Authorization to obtain consumer and credit reports. Exception Cleared.<br>Seller Comment (2025-05-29): Credit authorization uploaded | 05/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9153235 | [Redact] |  | 33526844 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Authorization to obtain consumer and credit reports and release document is missing |  |  |  | Reviewer Comment (2025-05-30): Received Authorization to obtain consumer and credit reports. Exception Cleared.<br>Seller Comment (2025-05-29): Credit authorization uploaded | 05/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153235 | [Redact] |  | 33531938 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with the printout from [Redacted]-[Redacted]. |  |  |  | Reviewer Comment (2025-06-02): Received bank statement. Exception Cleared.<br>Seller Comment (2025-06-02): Bank statement and Operating agreement tied to borrrower uploaded | 06/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9153236 | [Redact] |  | 33533372 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The Authorization to obtain consumer and credit reports and release signed by the borrower is missing in the file. |  |  |  | Reviewer Comment (2025-06-02): Received Authorization to obtain consumer and credit reports. Exception Cleared.<br>Seller Comment (2025-05-30): Credit authorization uploaded | 06/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9104790 | [Redact] |  | 33584311 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing for the borrowing entity |  |  |  | Reviewer Comment (2025-05-15): OFAC provided<br>Buyer Comment (2025-05-13): Copy of OFAC search for borrowers entity attached | 05/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9203982 | [Redact] | [Redact] | 33727520 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-07-14): Waived on Rate Lock: Collateral cleared by [Redacted] | 07/14/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9203982 | [Redact] | [Redact] | 33848071 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule ([Redacted]): Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 07/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9203982 | [Redact] | [Redact] | 33848072 |  | Compliance | Compliance | Federal Compliance | GSE | [Redacted] - [Redacted]% Points and Fees | [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the [Redacted]Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-07-07): Client elected to waive the condition on the [Redacted] |  |  | 07/07/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9203982 | [Redact] | [Redact] | 33848142 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 07/07/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9216861 | [Redact] | [Redact] | 34173246 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-16): Waived on Rate Lock: Collateral cleared by Custodian | 09/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9240360 | [Redact] | [Redact] | 34035175 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9240360 | [Redact] | [Redact] | 35148296 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Appraiser's license or certification was not active at the time of the appraisal. The file did not contain a copy of the appraiser's license in effect at the time of the appraisal. |  |  |  | Reviewer Comment (2025-12-08): Proof of prior history of the appraiser's license was provided. The license was in effect at the time of the appraisal.<br>Seller Comment (2025-12-05): [Redacted] tm: Attached license search confirms active from [Redacted]-[Redacted] | 12/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9240360 | [Redact] | [Redact] | 35148306 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraiser's license or certification was not active at the time of the appraisal. The file did not contain a copy of the appraiser's license in effect at the time of the appraisal. |  |  |  | Reviewer Comment (2025-12-08): Proof of prior history of the appraiser's license was provided. The license was in effect at the time of the appraisal.<br>Reviewer Comment (2025-12-05): An additional copy of the appraisal was provided. The website used to confirm the appraiser's license does not provide the history of the license and identifies the license issue date of [Redacted], which is after the effective date of the appraisal. In order to properly test the loan, proof of the license information that was in effect at the time of the appraisal is required. Provide a copy of the prior license or the licensing history to confirm the effective date of the license that per the appraisal expired [Redacted]. Condition is valid and remains open<br>Seller Comment (2025-12-04): Appraisal Packages and TRID Disclosure<br>Seller Comment (2025-12-04): Please see page 10 of the appraisal package and the last page of the CDA package which show the appraisers cert was good until [Redacted] | 12/08/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9240360 | [Redact] | [Redact] | 35148309 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Credit Code (First Lien Refinance Notice Not Provided) | [Redact] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Borrower did not provide First Lien Refinance Notice. |  |  |  | Reviewer Comment (2025-12-05): Disclosure provided<br>Seller Comment (2025-12-04): Please see the attached TRID Disclosure History and page [Redacted] of the Initial Closing Disclosure Package which shows the borrower was sent the [Redacted] Refinance Disclosure on [Redacted] and consent to these documents on [Redacted]. | 12/05/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 9240360 | [Redact] | [Redact] | 35148310 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. [Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] Received revised CD along with Lock.<br>Seller Comment (2025-12-04): On [Redacted] there was a relock to the loan which cause the price to increase to [Redacted]% or $[Redacted]. On wholesale loans lock actions are acceptable changes in circumstance. A Closing Disclosure went out to the borrower on the same day. Please see the attached redisclosure and lock confirmation. | 12/04/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9240360 | [Redact] | [Redact] | 35148311 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-12-04): Please see attached Initial closing disclosure signed/consented to by the borrower on [Redacted] and TRID worksheet that shows proof of delivery. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9242917 | [Redact] | [Redact] | 34097796 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-08): Waived on Rate Lock: Collateral cleared by [Redacted] | 09/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9242917 | [Redact] | [Redact] | 34323613 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 08/29/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9242917 | [Redact] | [Redact] | 34323614 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-08-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 08/29/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9242957 | [Redact] | [Redact] | 34102263 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-30): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-29): [Redacted], showing delivered [Redacted] | 09/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9242957 | [Redact] | [Redact] | 34575800 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | The file contained bank statements verifying the primary residence rental history from [Redacted]-[Redacted]. The file is missing proof of the rental history from [Redacted]-[Redacted] to meet the 12 month guideline requirement. |  |  |  | Reviewer Comment (2025-09-30): 12+ month rental history verified<br>Seller Comment (2025-09-29): vor | 09/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9302778 | [Redact] | [Redact] | 34210508 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian | 10/13/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9302778 | [Redact] | [Redact] | 34664874 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement was not provided in the file. |  |  |  | Reviewer Comment (2025-11-04): Received Guarantor Agreement. Exception Cleared.<br>Seller Comment (2025-10-31): (Rate Lock) Guaranty Agreement - do you need the original shipped to you?<br>Reviewer Comment (2025-10-27): Guarantor Agreement need to be wet signed by borrower. Exception Remains.<br>Seller Comment (2025-10-23): (Rate Lock) yes, I understand the document needs to be signed, however my question was can the document be e-signed or does it need to be wet signed. Please confirm which is acceptable and I will have the borrower sign. Thank you.<br>Reviewer Comment (2025-10-23): Required signed guarantor agreement along with guarantor name to clear this condition. Exception Remains.<br>Seller Comment (2025-10-22): (Rate Lock) good afternoon can the agreement be e-signed by the borrower? Thank you.<br>Reviewer Comment (2025-10-21): Provided guarantor agreement not signed and guarantors name not reflecting. Exception Remains.<br>Seller Comment (2025-10-17): (Rate Lock) guaranty Agreement<br>Reviewer Comment (2025-10-15): Required guarantor agreement to clear this condition. Exception Remains.<br>Seller Comment (2025-10-14): (Rate Lock) CERT | 11/04/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9302778 | [Redact] | [Redact] | 34664973 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-10-15): Received RCE. Exception Cleared,<br>Seller Comment (2025-10-14): (Rate Lock) HOI | 10/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9302778 | [Redact] | [Redact] | 34676178 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | There is evidence on the initial and final 1003 that the co-borrower intends to occupy the property as their primary residence. |  |  |  |  |  |  | 10/08/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9302778 | [Redact] | [Redact] | 34679186 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The declarations section of the final 1003 for the co-borrower identified the property would be occupied as a primary residence. Provide a revised 1003 correcting the declarations section. |  |  |  | Reviewer Comment (2025-10-15): Revised 1003 provided<br>Seller Comment (2025-10-14): (Rate Lock) 1003 | 10/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9248776 | [Redact] |  | 34233191 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | The homeowner's insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | [Redacted]months reserves<br>Residual income of [Redacted]monthly | [Redact],Aggregator<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-08-29): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, Residual income of [Redacted] monthly<br>Reviewer Comment (2025-08-28): Required flood insurance policy before closing date & prior to disbursement date for wet state to clear this condition. Exception Remains.<br>Seller Comment (2025-08-27): email from agent showing no claims filed<br>Reviewer Comment (2025-08-25): The property is located in a wet-funding state and ownership begins on the transaction date. Insurance is required to be in effect at or prior to the transaction date of [Redacted]. Condition is valid and remains open<br>Seller Comment (2025-08-22): We should be good with effective insurance so long as it's on or prior to the disbursement date.<br>Reviewer Comment (2025-08-21): Flood insurance coverage must be effective on or before the loan closing/notarized date and prior to the disbursement date. This ensures compliance with Fannie Mae guidelines, which require flood insurance to be in force at the time of loan closing. Exception Remains.<br>Seller Comment (2025-08-20): per final CD disbursement date is [Redacted] insurance is valid |  |  | 08/29/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9248776 | [Redact] |  | 34233689 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-09-18): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-09-17): PCCD<br>Seller Comment (2025-09-17): cure letter<br>Seller Comment (2025-09-17): cure<br>Reviewer Comment (2025-08-22): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-08-21): CIC attached apologies<br>Reviewer Comment (2025-08-21): [Redacted] received comment. However, the Appraisal fee increased on CD dated[Redacted] for $[Redacted]. Kindly provide a valid COC for the fee increased on CD dated [Redacted] for $[Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-08-20): This appraisal fee as paid outside of closing. No change from initial to final CD.. |  | 09/18/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9362518 | [Redact] | [Redact] | 34283191 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-09): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-09-08): (Rate Lock) [Redacted] | 09/09/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9362518 | [Redact] | [Redact] | 34365780 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing Fraud Report |  |  |  | Reviewer Comment (2025-09-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-09-08): (Rate Lock) fraud | 09/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9362518 | [Redact] | [Redact] | 34365782 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file was missing OFAC. |  |  |  | Reviewer Comment (2025-09-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-09-08): (Rate Lock) fraud | 09/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9362518 | [Redact] | [Redact] | 34365792 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2025-09-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-09-08): (Rate Lock) fraud | 09/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9362518 | [Redact] | [Redact] | 34365798 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-09-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-09-08): (Rate Lock) fraud | 09/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9362518 | [Redact] | [Redact] | 34365811 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/06/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9365612 | [Redact] | [Redact] | 34313348 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9365612 | [Redact] | [Redact] | 34601300 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-10-01): Client elected to waive the condition on the [Redacted] |  |  | 10/01/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9365612 | [Redact] | [Redact] | 34601304 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-09): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) second appraisal fee increased, resulting in a cleared exception.<br>Seller Comment (2025-10-08): [Redacted] [Redacted]: A tolerance credit in the amount of $[Redacted] for the appraisal fee was reflected on the final Closing Disclosure | 10/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9365612 | [Redact] | [Redact] | 34601317 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/01/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9365612 | [Redact] | [Redact] | 34605838 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received valid COC document<br>Seller Comment (2025-11-12): On [Redacted] there was a CofC to waive the UW fee which caused the price adjustors to increase the pricing for the rate to[Redacted]% or $[Redacted] with lender paid compensation of $[Redacted] with a final cost of [Redacted]% or $[Redacted]. Due to the increase in pricing the borrower chose to flip the comp plan and reduce the need for discount points. Making the cost for the rate after the flip $[Redacted].<br>Reviewer Comment (2025-10-29): [Redacted] received rebuttal comment indicates that borrower request to change compensaction. But there seems to be no supporting document in the loan file for the borrower request to change. Please provide documentation of borrower requested change and it should include the date of the borrower's change request and be documented in writing through copy of borrower emails, Communication log or screenshot of LO notes in LOX, etc. Otherwise, cure is required to borrower.<br>Seller Comment (2025-10-28): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from[Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Seller Comment (2025-10-28): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $[Redacted] to [Redacted]% or $[Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form.<br>Reviewer Comment (2025-10-09): [Redacted]: The COC and rate lock document that was provided in the trailing images was also provided in the original loan package. But it does not provide sufficient information on why the compensation plan changes from lender paid to borrower paid on [Redacted] #2 CD and was not disclosed borrower paid at the time of initial disclosures. Moreover, the rate was relocked on [Redacted] (please see docu ID D[Redacted]) with lender paid compensation in the amount of $[Redacted] and was not relock at the time of [Redacted] CD #2 issued to borrower. If there was an additional reason the fee was changed to borrower paid, then we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Seller Comment (2025-10-08): [Redacted][Redacted]: Please see attached Change in Circumstance form and corresponding disclosure, compensation plan flipped from lender to borrower paid origination due to a relock resulting in an increase of pricing<br>Seller Comment (2025-10-08): [Redacted] [Redacted]: Please see attached Change in Circumstance form and corresponding disclosure, compensation plan flipped from lender to borrower paid origination due to a relock resulting in an increase of pricing | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9365612 | [Redact] | [Redact] | 34972784 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-11-13): Sufficient Cure Provided At Closing |  | 11/13/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9367826 | [Redact] | [Redact] | 34324126 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-24): Waived on Rate Lock: Collateral cleared by Custodian | 09/24/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9367826 | [Redact] | [Redact] | 34494016 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/18/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9367826 | [Redact] | [Redact] | 34494018 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-09-18): Client elected to waive the condition on the [Redacted] |  |  | 09/18/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9370625 | [Redact] | [Redact] | 34342588 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9370625 | [Redact] | [Redact] | 34797399 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/28/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9370625 | [Redact] | [Redact] | 34797401 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9370625 | [Redact] | [Redact] | 34797402 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-24): Sufficient Cure Provided At Closing |  | 10/24/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9371239 | [Redact] | [Redact] | 34343831 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-09-18): Waived on Rate Lock: Collateral cleared by Custodian | 09/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9371239 | [Redact] | [Redact] | 34446268 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation to verify the PITIA for the primary residence. |  |  |  | Reviewer Comment (2025-10-01): Received revised 1008 and 1003. Exception Cleared.<br>Seller Comment (2025-09-30): [Redacted]: please see attached<br>Reviewer Comment (2025-09-24): Revised 1003 application, 1008 and approval is required along with recalculation of HTI and DTI. Additionally, as per the final 1003, [Redacted] is listed as the primary residence. If the borrower did not purchase this property, please confirm the current residence where the borrower is living. Exception Remains.<br>Seller Comment (2025-09-23): [Redacted]: Borrower did not purchase this home. The prior documentation provided showed this. Is a new 1003 required, with this property removed? There is no mortgage statement or closing disclosure, as the approval letter provided shows that the loan for that property was withdrawn, and did not close, so the borrower did not end up purchasing this REO at [Redacted].<br>Reviewer Comment (2025-09-17): Required Mortgage statement or Closing Disclosure to verify PITI $[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-09-16): [Redacted]: please see attached approval letter, showing that the loan for the purchased of [Redacted] was withdrawn and not completed | 10/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9371239 | [Redact] | [Redact] | 34446467 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/15/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9371239 | [Redact] | [Redact] | 34447931 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003 |  |  |  |  |  |  | 09/15/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9371239 | [Redact] | [Redact] | 34449164 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 09/15/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9386003 | [Redact] | [Redact] | 34353287 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-19): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-18): (Rate Lock) [Redacted] | 12/19/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9386003 | [Redact] | [Redact] | 35256922 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  |  |  |  |  | Reviewer Comment (2025-12-23): ULI provided<br>Seller Comment (2025-12-23): Attached the ULI Number, Please Clear. | 12/23/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9389647 | [Redact] | [Redact] | 34369221 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-31): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/31/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389647 | [Redact] | [Redact] | 34798603 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD/First Payment Letter not provided. |  |  |  | Reviewer Comment (2025-11-20): Documentation to verify the PITIA was provided<br>Seller Comment (2025-11-17): Please see attached.<br>Reviewer Comment (2025-11-11): Required Tax Certificate or supporting documents to verify other expenses $[Redacted]. Exception Remains.<br>Seller Comment (2025-11-10): Tax and Ins for [Redacted].<br>Reviewer Comment (2025-11-06): Required Tax certificate & insurance policy to clear this condition. Exception Remains.<br>Seller Comment (2025-11-04): UW LOE for [Redacted] | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389647 | [Redact] | [Redact] | 34798605 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File is missing a copy of Insurance Verification for REO property |  |  |  | Reviewer Comment (2025-11-06): Received LOX. Exception Cleared.<br>Seller Comment (2025-11-04): UW LOE for [Redacted] | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389647 | [Redact] | [Redact] | 34798672 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-09): Email confirmation from the insurance company verified the dwelling coverage was the replacement cost coverage.<br>Seller Comment (2025-12-05): Please see the enclosed confirmation from the settlement that the Dwelling coverage represents the estimated replacement cost, so the coverage is sufficient.<br>Reviewer Comment (2025-11-25): The email states "we do believe the insured amount is the estimated replacement". This does not confirm that it does. Condition remains.<br>Seller Comment (2025-11-21): HOI Agent LOE<br>Reviewer Comment (2025-11-04): The GSE method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [Redacted]% of the appraised value is the insured value and coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-10-31): HOI with Supp Docs | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389647 | [Redact] | [Redact] | 34803862 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD/First Payment Letter not provided. |  |  |  | Reviewer Comment (2025-11-20): Documentation provided to verify the PITIA<br>Seller Comment (2025-11-17): [Redacted] is actually [Redacted] (please see attached final CD). You will also find attached the HOI policy for [Redacted] (you will find address on Page 2 of the document)<br>Seller Comment (2025-11-17): [Redacted] is actually [Redacted] (please see attached final CD). You will also find attached the HOI policy for[Redacted] (you will find address on Page 2 of the document)<br>Reviewer Comment (2025-11-10): Required mortgage statement for property #[Redacted] to verify PITI $[Redacted] & required hazard insurance policy for property #[Redacted] to clear this conditions. Exception Remains.<br>Seller Comment (2025-11-06): PITIA for this property was qualified using the higher proposed payments of the cash-out refi. <br> Borrowers are not on the mortgage - [Redacted] [Redacted] xx[Redacted]. See mortgage statement, but should not be required as loan was qualified using worst case scenario. | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9389647 | [Redact] | [Redact] | 34803880 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD/First Payment Letter not provided. |  |  |  | Reviewer Comment (2025-11-20): Documentation provided to verify the PITIA<br>Seller Comment (2025-11-17): Please see attached.<br>Reviewer Comment (2025-11-04): Received closing disclosure. Required tax certificate & hazard insurance to clear this condition. Exception Remains.<br>Seller Comment (2025-10-31): REO Final CD [Redacted] | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9447887 | [Redact] | [Redact] | 34377068 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-05): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9447887 | [Redact] | [Redact] | 34851959 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Copy of Complete Fraud Report is not available in file. |  |  |  | Reviewer Comment (2025-11-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-06): (Rate Lock) fraud | 11/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9447887 | [Redact] | [Redact] | 34851967 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9447887 | [Redact] | [Redact] | 34851969 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Copy of complete Fraud Report is not available in file. |  |  |  | Reviewer Comment (2025-11-09): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-06): (Rate Lock) fraud | 11/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9613836 | [Redact] | [Redact] | 34392875 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613836 | [Redact] | [Redact] | 34842654 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Lender Approved Exception for FICO less than [Redacted]. Compensating factors listed: solid income, strong business assets and low debts. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrower has been employed in the same industry for more than [Redacted] years. | Post-close reserves [Redacted] ([Redacted] required)<br>Job stability ([Redacted]+ years | [Redact],Originator Pre-Close,Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-10-31): Client elects to waive with compensating factors:<br> Large delinquencies impacting credit score appear related to an isolated business event<br> \*\*Post-close reserves [Redacted] ([Redacted] required)<br> \*\*Job stability ([Redacted]+ years). LTV [Redacted] (maximum [Redacted]). |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9613836 | [Redact] | [Redact] | 34842707 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or .[Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-10-31): Client elected to waive the condition on the [Redacted] |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9498500 | [Redact] | [Redact] | 34395998 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9498500 | [Redact] | [Redact] | 34690095 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The initial escrow deposit shown on the post-close CD issued [Redacted] was less than the initial deposit on the final CD and the IEAD. |  |  |  | Reviewer Comment (2025-11-21): Corrected IEAD, PCCD and LOE provided<br>Seller Comment (2025-11-20): Please see the attached Letter of Explanation, Corrected Closing Disclosure, Initial Escrow Account Disclosure, and proof of delivery.<br>Reviewer Comment (2025-10-30): The escrow amount is not incorrect, the initial escrow deposit is incorrect. The post-close CD issued [Redacted] disclosed the initial escrow deposit of $[Redacted] in section G (page [Redacted]); however the IEAD disclosed the initial escrow deposit of $[Redacted] (matched the final CD). The condition is valid and remains open<br>Seller Comment (2025-10-28): Disagree -$[Redacted] is the total Escrow per month. That is $[Redacted] for HOI and $[Redacted] for taxes. The annual amount would then be $[Redacted]; which matches page [Redacted] of the PCCD |  | 11/21/2025 |  | 2 B |  | [Redact] | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | Yes |
| [Redact] | 9499985 | [Redact] | [Redact] | 34401783 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-24): Waived on Rate Lock: Collateral cleared by Custodian | 10/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9499985 | [Redact] | [Redact] | 34755358 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received COC dated [Redacted] and UW condition for adding the fee.<br>Seller Comment (2025-11-12): Please see attached accepted Change Of Circumstances Request, and Underwriting Final Inspection Condition. There was a valid COFC accepted for adding the Final Inspection Fee. Please see attached UW condition, the Underwriter conditioned for a Final Inspection [Redacted] in order to proceed with underwriter. | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9499985 | [Redact] | [Redact] | 34760885 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/21/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9500704 | [Redact] | [Redact] | 34404829 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-11): (Rate Lock) [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9500980 | [Redact] | [Redact] | 34404871 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by Custodian | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9500980 | [Redact] | [Redact] | 34711503 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9500980 | [Redact] | [Redact] | 34711504 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-11-21): Revised appraisal with the same value as the final appraisal and proof of receipt provided.<br>Seller Comment (2025-11-20): The Initial Appraisal was sent to the borrower on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant per [Redacted] outside counsel.<br>Reviewer Comment (2025-10-21): Condition is valid and remains open. Final appraisal with a report date of [Redacted] was received less than three business days prior to closing. HPML regulations require ALL valuations to be provided to the borrower at least three business days prior to closing.<br>Seller Comment (2025-10-17): [Redacted]: Please see the attached // | 11/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9500980 | [Redact] | [Redact] | 34711505 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-21): Revised appraisal with the same value as the final appraisal and proof of receipt provided.<br>Seller Comment (2025-11-20): The Initial Appraisal was sent to the borrower on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant per [Redacted] outside counsel.<br>Reviewer Comment (2025-10-21): Required receipt of valuation provided to applicant (3) business days prior to consummation. Exception Remains.<br>Seller Comment (2025-10-17): [Redacted]: Please see the attached // | 11/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9500980 | [Redact] | [Redact] | 34711506 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-13): Client elected to waive the condition on the [Redacted] |  |  | 10/13/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9500980 | [Redact] | [Redact] | 34712601 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Please provide a copy of the tax certificate used for closing as the taxes are much higher than on the provided tax certificate. |  |  |  | Reviewer Comment (2025-10-21): Revised 1008 and 1003 provided using taxes on tax cert to qualify<br>Seller Comment (2025-10-20): [Redacted] [Redacted] : attached<br>Seller Comment (2025-10-20): [Redacted] [Redacted]: attached<br>Reviewer Comment (2025-10-20): Revised 1003 and 1008 are required, along with updated approval. Additionally, the final Closing Disclosure (CD) currently reflects incorrect monthly taxes and needs to be corrected. Exception Remains.<br>Seller Comment (2025-10-16): [Redacted] [Redacted] : The underwriter mistakenly entered the one assessment of $[Redacted] twice which is why it is double. Do you want an updated 1003 & approval? | 10/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9500980 | [Redact] | [Redact] | 35039551 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-21): Client elected to waive the condition |  |  | 11/21/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9501868 | [Redact] | [Redact] | 34416822 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian | 11/03/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9205053 | [Redact] |  | 34428560 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2025-02-10): Received CDA with same effective date as the appraisal in trailing docs.<br>Buyer Comment (2025-02-07): see attached CDA. please clear. Thank You | 02/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9205053 | [Redact] |  | 34428561 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | File is missing Articles of Organization for borrowing entity, [Redacted]. Only the filing receipt is provided. |  |  |  | Reviewer Comment (2025-02-10): Received Articles of Organization for the borrowing entity in trailing docs.<br>Buyer Comment (2025-02-06): see attached Articles. please clear. Thank You | 02/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9502466 | [Redact] | [Redact] | 34429988 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-17): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9502490 | [Redact] | [Redact] | 34431638 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-29): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/29/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9502490 | [Redact] | [Redact] | 34791233 |  | Compliance | Compliance | State Compliance | State HPML | [Redact] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. |  |  |  |  |  |  |  | 10/23/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| [Redact] | 9502512 | [Redact] | [Redact] | 34443506 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9502512 | [Redact] | [Redact] | 34995469 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 11/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9502512 | [Redact] | [Redact] | 34995473 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-17): Sufficient Cure Provided within 60 Days of Closing |  | 11/17/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| [Redact] | 9502512 | [Redact] | [Redact] | 34995715 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-17): Sufficient Cure Provided At Closing |  | 11/17/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9502510 | [Redact] | [Redact] | 34443512 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9502510 | [Redact] | [Redact] | 34730556 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or[Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-11-20): HPML exceptions cleared.<br>Seller Comment (2025-11-20): [Redacted] - [Redacted]: Please see attached.<br>Seller Comment (2025-11-17): [Redacted] - [Redacted]: Though the initial appraisal dated [Redacted] did not contain the information pertaining to the subject's recent sale of [Redacted], the HPML flip guidelines were satisfied as two appraisal were obtained. This is merely a clerical error and the inclusion of the subject's recent sale would not have any substantial impact on the appraised value or the sufficiency of the appraisal in its entirety. Additionally, the second appraisal reflecting a value of $[Redacted] was considered for qualification and contains the information for the prior sale.<br>Reviewer Comment (2025-10-20): There was a prior sale as evidenced on the appraisal in file with an effective date of [Redacted]. The appraisal with an effective date of [Redacted] needs to be re-reviewed and the sale from [Redacted] must be captured. Condition remains<br>Seller Comment (2025-10-17): [Redacted]: Appraisal indicates no acquisition date exists as there is no history of prior sales or transfers for past 3 years // no acq date | 11/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9502510 | [Redact] | [Redact] | 34730558 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-10-15): Client elected to waive the condition on the Non-QM 1st lien |  |  | 10/15/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9502510 | [Redact] | [Redact] | 34730559 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | The preliminary appraisal with an effective date of [Redacted] did not identify the prior sales price or date of the sale. Provide a revised appraisal with the prior sales information completed in the section on page 2. |  |  |  | Reviewer Comment (2025-11-20): Revised appraisal with the prior sales information provided.<br>Seller Comment (2025-11-20): [Redacted] - [Redacted]: Please see attached.<br>Reviewer Comment (2025-11-19): A copy of the deed from the last transfer was provided, this will not clear the condition. Any prior sales within the last three years is required to be captured by the appraiser. Therefore a revised copy of the appraisal with the effective date of [Redacted] is required including the prior sale from [Redacted]. Note: with this information on the primary appraisal, the flipped requirements were met and the loan will updated to HPML compliant.<br>Seller Comment (2025-11-17): [Redacted] - [Redacted]: Though the initial appraisal dated [Redacted] did not contain the information pertaining to the subject's recent sale of [Redacted], the HPML flip guidelines were satisfied as two appraisal were obtained. This is merely a clerical error and the inclusion of the subject's recent sale would not have any substantial impact on the appraised value or the sufficiency of the appraisal in its entirety. Additionally, the second appraisal reflecting a value of $[Redacted] was considered for qualification and contains the information for the prior sale.<br>Reviewer Comment (2025-10-20): There was a prior sale as evidenced on the appraisal in file with an effective date of [Redacted]. The appraisal with an effective date of [Redacted] needs to be re-reviewed and the sale from [Redacted] must be captured. Condition remains<br>Seller Comment (2025-10-17): [Redacted][Redacted]: Appraisal indicates no acquisition date exists as there is no history of prior sales or transfers for past 3 years // no acq date | 11/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9502510 | [Redact] | [Redact] | 34730562 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-15): Sufficient Cure Provided At Closing |  | 10/15/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9502510 | [Redact] | [Redact] | 35029786 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. |  |  |  |  | Reviewer Comment (2025-11-20): Second appraisal fee paid by lender with tolerance cure at closing. | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Non QM | Non QM | Yes |
| [Redact] | 9502694 | [Redact] | [Redact] | 34444091 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-29): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-27): NOTE SHIPPED VIA [Redacted] [Redacted] | 10/29/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9502694 | [Redact] | [Redact] | 34755371 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-10-28): Received W-2 Transcript. Exception Cleared.<br>Seller Comment (2025-10-27): [Redacted] W2 TRANS<br>Seller Comment (2025-10-27): W2 TRANS FOR [Redacted]<br>Reviewer Comment (2025-10-23): Provided transcript is for co-borrower. Required Transcript (1040) or W-2 Transcript for Borrower [Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-10-22): W2 TRANSCRIPTS [Redacted] [Redacted] | 10/28/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9502699 | [Redact] | [Redact] | 34444135 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian | 11/03/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9502699 | [Redact] | [Redact] | 34807941 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]%. |  |  |  | Reviewer Comment (2025-10-30): Client elected to waive the condition on the [Redacted] |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9502699 | [Redact] | [Redact] | 34833898 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 is signed, but not dated. |  |  |  | Reviewer Comment (2025-11-21): Received Final 1003. Exception Cleared.<br>Seller Comment (2025-11-19): [Redacted] [Redacted]: See attached application<br>Reviewer Comment (2025-11-07): Provided 1003 is initial. Required final 1003 with signed & dated to clear this condition. Exception Remains.<br>Seller Comment (2025-11-06): [Redacted] [Redacted]- see attached | 11/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9897429 | [Redact] | [Redact] | 34450475 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-17): (Rate Lock) [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9897429 | [Redact] | [Redact] | 34977815 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client Exception approved for rent free letter documenting most recent [Redacted] months housing history where guidelines require a minimum [Redacted]-month housing history. The Client Exception approval form is missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] post-close reserves ([Redacted] months or [Redacted]x).<br>[Redacted] DTI is [Redacted] below max ([Redacted]). | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-12-03): Client elected to waive the condition with the following Compensating Factors:<br> $[Redacted] post-close reserves ([Redacted] months or [Redacted]x). <br> [Redacted] DTI is [Redacted] below max ([Redacted]). <br> Credit depth: [Redacted] year trade history paid as agreed.<br>Seller Comment (2025-12-02): Attached the [Redacted] Approved Exception. |  |  | 12/03/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9897429 | [Redact] | [Redact] | 34986878 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | [Redacted] Account number ending [Redacted] months verified is less than 2 months (month ending [Redacted] provided). |  |  |  | Reviewer Comment (2025-12-22): As per guideline, [Redacted] days of account activity verification required. Exception Cleared.<br>Seller Comment (2025-12-18): This is a [Redacted] Alternate Income loan. The [Redacted] savings account ending in [Redacted] was used solely to satisfy reserve requirements and was not used for income, asset utilization, or funds to close. The most recent monthly statement dated [Redacted]-[Redacted] is located on page [Redacted] ([Redacted]) of [Redacted] and evidences sufficient verified reserves. Per [Redacted] asset verification requirements, one month of statements is acceptable for reserve-only assets absent asset utilization or large deposit concerns. Please Cancel.<br>Reviewer Comment (2025-12-03): If the account is removed from the assets, the assets required for funds to close and reserves will be insufficient and additional conditions will apply. Per the final 1003, the funds from account xx[Redacted] were used for qualification. Condition remains<br>Seller Comment (2025-12-02): The [Redacted] account ending in [Redacted] was provided only to verify the EMD and was not used for qualifying. Please Cancel. | 12/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9504089 | [Redact] | [Redact] | 34476268 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-13): Waived on Rate Lock: Collateral cleared by Custodian | 10/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34479016 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-03): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-10-30): Note Delivered via [Redacted]# [Redacted] | 11/03/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783141 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-27): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-24): Fraud Report | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783151 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file is missing a copy of Flood Certificate. |  |  |  | Reviewer Comment (2025-10-27): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-10-24): Flood Cert | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783155 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-27): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-24): Fraud Report | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783158 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing a copy of Hazard Insurance Policy. |  |  |  | Reviewer Comment (2025-10-27): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-10-24): HOI Policy | 10/27/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783166 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file is missing a copy of Purchase Agreement / Sales Contract. |  |  |  | Reviewer Comment (2025-10-27): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-10-24): Purchase Contract, Addend, HOA Due Letter and Seller Disclosure | 10/27/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783383 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/23/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34783385 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-30): [Redacted] received Final settlement statement, Letter of explanation and Corrected Closing disclosure.<br>Seller Comment (2025-10-29): True & Certified Final Settlement Stmt<br>Seller Comment (2025-10-29): PCCD/LOE and true & certified Final Settlement Stmt<br>Reviewer Comment (2025-10-29): [Redacted] received PCCD, however we require LOE which accompanied the PCCD and true & certified copy of final settlement statement to re-evaluate the exception.<br>Seller Comment (2025-10-28): [Redacted] PCCD - please review and advise if PCCD acceptable to clear condition prior to our disclosure to borrower. | 10/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9551035 | [Redact] | [Redact] | 34791236 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-11-12): Received updated 1004. Exception Cleared.<br>Seller Comment (2025-11-11): Updated Appraisal to reflect non-PUD property<br>Seller Comment (2025-11-11): Property is not a PUD. Have requested update from appraiser - pending receipt. | 11/12/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9551035 | [Redact] | [Redact] | 34970219 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B A C | Non QM | Non QM | No |
| [Redact] | 9389397 | [Redact] |  | 34495251 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9554410 | [Redact] | [Redact] | 34487443 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554410 | [Redact] | [Redact] | 35133905 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-03): Client elected to waive the condition on the [Redacted] |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9554410 | [Redact] | [Redact] | 35133916 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification and Tax Verification is missing for the REO. |  |  |  | Reviewer Comment (2025-12-15): Documentation to verify the REO expenses was provided<br>Seller Comment (2025-12-12): Taxes and insurance | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9554854 | [Redact] | [Redact] | 34489753 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-06): Waived on Rate Lock: Collateral cleared by Custodian<br>Buyer Comment (2025-11-04): (Rate Lock) [Redacted] delivered [Redacted]<br>Seller Comment (2025-11-03): (Rate Lock) Note Tracking<br>Seller Comment (2025-10-29): (Rate Lock) updated mortgage with LOI | 11/06/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9554854 | [Redact] | [Redact] | 34751872 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file is missing a copy of the 1008. |  |  |  | Reviewer Comment (2025-10-22): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-10-20): (Rate Lock) 1008 and lox | 10/22/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9554854 | [Redact] | [Redact] | 34751891 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-30): [Redacted]received LOX for the Pest Inspection.<br>Seller Comment (2025-10-29): (Rate Lock) LOX<br>Seller Comment (2025-10-29): (Rate Lock) updated mortgage with LOI<br>Reviewer Comment (2025-10-21): [Redacted] is unable to determine from the file whether the lender or title company requried the Pest Inspection. If the lender required the Pest Inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Seller Comment (2025-10-20): (Rate Lock) 1008 and lox | 10/30/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| [Redact] | 9554854 | [Redact] | [Redact] | 34757357 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. |  |  |  | Reviewer Comment (2025-10-31): Received PUD-Rider. Exception Cleared.<br>Seller Comment (2025-10-29): (Rate Lock) updated mortgage with LOI | 10/31/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9555236 | [Redact] | [Redact] | 34496594 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/04/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555236 | [Redact] | [Redact] | 34797409 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  | 10/29/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555236 | [Redact] | [Redact] | 34797429 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Verification of Rent (VOR) / Verification of Mortgage (VOM) document not provided |  |  |  | Reviewer Comment (2025-11-05): Verification of Mortgage (VOM) not required as per guideline. Exception Cleared.<br>Seller Comment (2025-11-03): [Redacted] - [Redacted]: Verification of the borrower's rental payment history is not required per the agreed upon guidelines between [Redacted] and [Redacted]. Additionally, this documentation is not required per the AUS findings. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9555500 | [Redact] | [Redact] | 34512008 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-22): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/22/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9555500 | [Redact] | [Redact] | 34754229 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/17/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9603400 | [Redact] | [Redact] | 34515486 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-15): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-10-13): Tracking # [Redacted] | 10/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9603400 | [Redact] | [Redact] | 34679321 |  | 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 $[Redacted] exceeds tolerance of $[Redacted] Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-10-08): Sufficient Cure Provided At Closing |  | 10/08/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9606021 | [Redact] | [Redact] | 34523250 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-20): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-10-17): Please see [Redacted] Tracking for Note - Note Delivered on [Redacted] - Tracking #[Redacted] | 10/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606021 | [Redact] | [Redact] | 34726328 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-10-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-17): Fraud Report Attached | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606021 | [Redact] | [Redact] | 34726335 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-10-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-17): Fraud Report Attached | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606021 | [Redact] | [Redact] | 34726348 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-10-20): Received fraud report. Exception Cleared.<br>Seller Comment (2025-10-17): Fraud Report Attached | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606021 | [Redact] | [Redact] | 34726366 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/15/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606073 | [Redact] | [Redact] | 34523361 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-06): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606073 | [Redact] | [Redact] | 34888321 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted]. |  |  |  | Reviewer Comment (2025-11-04): Client elected to waive the condition on the [Redacted] |  |  | 11/04/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9606073 | [Redact] | [Redact] | 34888327 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | 11/03/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9606073 | [Redact] | [Redact] | 34894465 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | Per the approval this is a purchase of the borrower's primary however, the initial and final 1003 both show that the borrower will not be occupying the subject as their primary residence. |  |  |  | Reviewer Comment (2025-11-13): Received updated 1003. Exception Cleared.<br>Seller Comment (2025-11-12): [Redacted] [Redacted]: Please see attached documents | 11/13/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9606072 | [Redact] | [Redact] | 34523362 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-10): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9606072 | [Redact] | [Redact] | 34895740 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-11-05): Client elected to waive the condition on the [Redacted] |  |  | 11/05/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9606072 | [Redact] | [Redact] | 34895744 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9220267 | [Redact] |  | 34531991 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. | State Specific Pre-Payment Penalty: Permitted for business entity borrowers for [Redacted] state. |  |  |  | Buyer Comment (2025-08-01): Acknowledged non-material<br>Reviewer Comment (2025-07-23): Business purpose loan made to a business entity borrower (LLC/Individual Guarantor), EV2-B based on outside counsel guidance |  |  | 08/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9220267 | [Redact] |  | 34531993 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  | Buyer Comment (2025-08-01): Acknowledged non-material |  |  | 08/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9220267 | [Redact] |  | 34531994 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-08-01): Acknowledged non-material |  |  | 08/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34535561 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-20): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/20/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34726474 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-20): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-16): Fraud Report | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34726479 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file is missing a copy of Fraud Report. |  |  |  | Reviewer Comment (2025-10-20): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-10-16): Fraud Report | 10/20/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34726508 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 10/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34726560 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/15/2025 | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34726562 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Insurance Binder Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-21): [Redacted] received rebuttal comment suffice for COC dated [Redacted].<br>Seller Comment (2025-10-20): Per the COC that was provided, the loan amount changed from $[Redacted] to $[Redacted] causing the insurance cert fee to be update because the coverage amount changed and the fee increased.<br>Reviewer Comment (2025-10-17): [Redacted] received COC dated [Redacted] stating "insurance certification fee updated per invoice received" however the reason provided is not valid. Kindly provide a valid COC on why the Insurance Binder fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-16): COC for Insurance Cert Fee | 10/21/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9608835 | [Redact] | [Redact] | 34730976 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Per the provided compliance report in the file the application date is [Redacted], however the disclosure is dated [Redacted] |  |  |  | Reviewer Comment (2025-10-17): [Redacted] received Initial LE.<br>Seller Comment (2025-10-16): The initial Loan Estimate along with the initial disclosures were sent to the borrower on [Redacted] vial Mail and presumed to be received on [Redacted]. | 10/17/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34730977 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Per the provided compliance report in the file the application date is [Redacted], however the disclosure is dated [Redacted] |  |  |  | Reviewer Comment (2025-10-20): Earlier disclosure provided<br>Seller Comment (2025-10-16): The attached Affiliated Business Arrangement Disclosure was sent to the Borrower on [Redacted] via Mail and presumed to be received on [Redacted] because the borrower had not consented to receiving docs electronically. It was resent to the electronically on [Redacted] when the borrower consented to receiving docs electronically. | 10/20/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34730978 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Per the provided compliance report in the file the application date is [Redacted], however the disclosure is dated [Redacted] |  |  |  | Reviewer Comment (2025-10-20): Earlier disclosure provided<br>Seller Comment (2025-10-16): The attached List of Homeownership Counseling Organizations was sent to the Borrower on [Redacted] via Mail and presumed to be received on [Redacted] because the borrower had not consented to receiving docs electronically. It was resent to the electronically on [Redacted] when the borrower consented to receiving docs electronically. | 10/20/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9608835 | [Redact] | [Redact] | 34730979 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Per the provided compliance report in the file the application date is [Redacted], however the LE provided is dated [Redacted], per the compliance report there was an LE sent out on [Redacted], this LE wasn't in the file. |  |  |  | Reviewer Comment (2025-10-17): [Redacted] received Initial LE.<br>Seller Comment (2025-10-16): The initial Loan Estimate along with the initial disclosures were sent to the borrower on [Redacted] vial Mail and presumed to be received on [Redacted]. | 10/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | C B A | Non QM | Non QM | No |
| [Redact] | 9389634 | [Redact] |  | 34543445 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer taxes fee was last disclosed as $[Redacted] on the Loan Estimate but was disclosed as $[Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[Redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-04): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-03): [Redacted]: Please see the attachment. |  | 09/04/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9389636 | [Redact] |  | 34543497 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-08-29): seller accepts; no change to grading. |  |  | 08/29/2025 | 2 B |  | [Redact] | Primary | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9389621 | [Redact] |  | 34574036 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  |  | 2 B |  | [Redact] | Primary | Refinance - Limited Cash-out GSE | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9606107 | [Redact] |  | 34601254 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-06): Initial and Final Grade B, accepted |  |  | 10/06/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9615795 | [Redact] | [Redact] | 34585351 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-06): (Rate Lock) [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615795 | [Redact] | [Redact] | 34870454 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Prepayment Penalty | District of [Redacted] Prepayment Penalty: Maximum calculated prepay of $[Redacted] exceeds the state maximum of 2 months interest calculated on [Redacted]of the original balance ($[Redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. | Maximum calculated prepay of $[Redacted] exceeds the state maximum of 2 months interest calculated on [Redacted] of the original balance ($[Redacted]). Prepay language states prepay will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2025-12-09): Client elected to waive the condition based on the language stating the PPP will not exceed the max per the law.<br>Reviewer Comment (2025-11-28): Unable to accept as is due to [Redacted] regulations. The condition is valid and will remain open.<br>Seller Comment (2025-11-25): Please accept as is. |  |  | 12/09/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9615795 | [Redact] | [Redact] | 34914730 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception requested to vest in a layered entity. The entity for vesting, [Redacted], is owned [Redacted]% by another entity, [Redacted], which the borrower owns [Redacted]% personally. There is an exception approval form in file, however, the bottom is not filled out granting approval. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | DTI is [Redacted] where [Redacted] is minimum | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-11-19): Client elected to waive the condition with the following Compensating Factors:<br> DTI is [Redacted] where [Redacted] is minimum<br> Reserves of [Redacted] ^ months where [Redacted] is required ([Redacted]X)<br> Credit Depth: [Redacted] years mortgage history [Redacted] years trade history all paid as agreed.<br>Seller Comment (2025-11-17): Attached the Approved [Redacted] Exception |  |  | 11/19/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9652908 | [Redact] | [Redact] | 34594208 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9652908 | [Redact] | [Redact] | 34892768 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the [Redacted] |  |  | 11/06/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9652908 | [Redact] | [Redact] | 34892771 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9652908 | [Redact] | [Redact] | 34911796 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9688976 | [Redact] | [Redact] | 34601437 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9688976 | [Redact] | [Redact] | 35073872 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-02): Confirmation from the insurance company provided verifying guaranteed replacement cost coverage.<br>Reviewer Comment (2025-12-02): The GSE method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [Redacted]% of the appraised value is the insured value and coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-11-28): (Rate Lock) Please see attached verification from the insurance company stating the policy is [Redacted]% replacement cost. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9688976 | [Redact] | [Redact] | 35073922 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | High cost due to points and fees. |  |  |  | Reviewer Comment (2025-11-25): Client elected to waive the condition on the [Redacted] |  |  | 11/25/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9693385 | [Redact] | [Redact] | 34613906 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-05): Waived on Rate Lock: Collateral cleared by Custodian | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 34842837 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 34852953 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-11-12): Received project approval. Exception Cleared.<br>Seller Comment (2025-11-10): This is not required. The loan meets [Redacted] non-warrantable condo guidelines.<br>Reviewer Comment (2025-11-10): Required Documentation/Confirmation from the lender confirming the project is warrantable. Exception Remains.<br>Seller Comment (2025-11-06): File was approved under [Redacted] non-warrantable product guidelines. | 11/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 34853440 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-12-09): Proof of receipt of the final appraisal at closing provided.<br>Seller Comment (2025-12-09): Please see enclosed borrower appraisal acknoweldgement of receipt of the appraisal on [Redacted], as stated earlier.<br>Reviewer Comment (2025-12-08): Proof of receipt of the prelim and re-disclosed appraisals were provided. However, the file is still missing proof of receipt of the final appraisal with a report date of [Redacted]. HPML regulations require all versions of the valuation to be provided to the borrower and since the final version was dated the same day as closing, it was required to be provided at closing. Condition remains open<br>Seller Comment (2025-12-04): Please see attached.<br>Reviewer Comment (2025-12-04): The condition is valid. The file contained proof of delivery of appraisals on [Redacted], [Redacted], and [Redacted], proof of receipt was not provided so the three-day mail rule is used. The file contains a copy of the appraisals with report dates of [Redacted] and [Redacted]. Unable to determine the value of the appraisal received [Redacted], proof of receipt of the appraisal provided on [Redacted] (at least three days prior to closing) AND proof of receipt of the final appraisal with the report date of [Redacted] (must be received on [Redacted], the closing date). ALL appraisals must be received at or prior to closing and the initial and revised appraisals prior to the final must be received at least three business days prior to closing to meet the HPML requirements. Condition remains open<br>Seller Comment (2025-12-04): We do not agree with the assumption that the appraisal delivery requirements were not met. The borrower received the same appraisal with the same analysis prior to three business days before closing, and the "revised" appraisal on the closing date only corrected HOA dues and did not change value, adjustments or comps, assumptions, or any substantive part of the valuation, and it therefore should reasonably be treated as a clerical correction to an appraisal that was already delivered timely. The HPML requirement is satisfied by the earlier delivery, and the rule does not forbid sending an additional copy closer to closing. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 34853441 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-12-09): Proof of receipt of the final appraisal at closing provided.<br>Reviewer Comment (2025-12-04): The condition is valid. The file contained proof of delivery of appraisals on [Redacted], [Redacted], and [Redacted], proof of receipt was not provided so the three-day mail rule is used. The file contains a copy of the appraisals with report dates of[Redacted] and [Redacted]. Unable to determine the value of the appraisal received [Redacted], proof of receipt of the appraisal provided on [Redacted] (at least three days prior to closing) AND proof of receipt of the final appraisal with the report date of [Redacted] (must be received on[Redacted], the closing date). ALL appraisals must be received at or prior to closing and the initial and revised appraisals prior to the final must be received at least three business days prior to closing to meet the HPML requirements. Condition remains open<br>Seller Comment (2025-12-04): We do not agree with the assumption that the appraisal delivery requirements were not met. The borrower received the same appraisal with the same analysis prior to three business days before closing, and the "revised" appraisal on the closing date only corrected HOA dues and did not change value, adjustments or comps, assumptions, or any substantive part of the valuation, and it therefore should reasonably be treated as a clerical correction to an appraisal that was already delivered timely. The HPML requirement is satisfied by the earlier delivery, and the rule does not forbid sending an additional copy closer to closing.<br>Reviewer Comment (2025-12-02): Required copy of each valuation to applicant three (3) business days prior to closing. Exception Remains.<br>Reviewer Comment (2025-12-01): ALL versions of the appraisal are required to be received at least three business days prior to closing to meet the HPML regulations. Condition remains<br>Seller Comment (2025-11-26): This shouldn't be an issue as there were no material changes on the appraisal in question. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 34853560 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 10/31/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 34853561 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-12-08): Proof of receipt of the prelim and re-disclosed appraisals were provided.<br>Reviewer Comment (2025-12-04): The condition is valid. The file contained proof of delivery of appraisals on [Redacted], [Redacted], and [Redacted], proof of receipt was not provided so the three-day mail rule is used. The file contains a copy of the appraisals with report dates of [Redacted] and [Redacted]. Unable to determine the value of the appraisal received [Redacted], proof of receipt of the appraisal provided on [Redacted](at least three days prior to closing) AND proof of receipt of the final appraisal with the report date of [Redacted] (must be received on [Redacted], the closing date). ALL appraisals must be received at or prior to closing and the initial and revised appraisals prior to the final must be received at least three business days prior to closing to meet the HPML requirements. Condition remains open<br>Seller Comment (2025-12-04): We do not agree with the assumption that the appraisal delivery requirements were not met. The borrower received the same appraisal with the same analysis prior to three business days before closing, and the "revised" appraisal on the closing date only corrected HOA dues and did not change value, adjustments or comps, assumptions, or any substantive part of the valuation, and it therefore should reasonably be treated as a clerical correction to an appraisal that was already delivered timely. The HPML requirement is satisfied by the earlier delivery, and the rule does not forbid sending an additional copy closer to closing. | 12/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693385 | [Redact] | [Redact] | 35187603 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Proof of receipt of the final appraisal at closing provided. |  |  |  | Reviewer Comment (2025-12-09): Client elected to waive the condition |  |  | 12/09/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9693585 | [Redact] | [Redact] | 34616674 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-10): Waived on Rate Lock: Collateral cleared by Custodian | 11/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9693853 | [Redact] | [Redact] | 34623477 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-12): (Rate Lock) [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693853 | [Redact] | [Redact] | 35202298 |  | Credit | Guideline | Guideline Issue | Guideline | Guidelines require one year Tax Transcript (1040) when a 1040 personal tax return was used to qualify. File contains no 1040 transcript. |  |  |  |  |  | Reviewer Comment (2025-12-24): Transcripts provided<br>Seller Comment (2025-12-24): Attached the [Redacted] Tax Transcripts for [Redacted]. | 12/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693853 | [Redact] | [Redact] | 35202634 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693987 | [Redact] | [Redact] | 34631950 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-23): attached tracking for note<br>Seller Comment (2025-12-22): (Rate Lock) [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9693987 | [Redact] | [Redact] | 35203109 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9694493 | [Redact] | [Redact] | 34632770 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-26): collateral delivered[Redacted] via [Redacted] tracking [Redacted] | 12/01/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9694493 | [Redact] | [Redact] | 35093370 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-17): RCE provided<br>Seller Comment (2025-12-17): RCE<br>Reviewer Comment (2025-12-04): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted] and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains.<br>Seller Comment (2025-12-02): HOI Calc | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9694498 | [Redact] | [Redact] | 34633131 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by Custodian | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694498 | [Redact] | [Redact] | 34934981 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the [Redacted] |  |  | 11/07/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9694498 | [Redact] | [Redact] | 34934984 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9694518 | [Redact] | [Redact] | 34634028 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-23): Waived on Rate Lock: Collateral cleared by Custodian | 10/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9694518 | [Redact] | [Redact] | 34754726 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted[Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of[Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Reviewer Comment (2025-10-21): Client elected to waive the condition on the [Redacted] |  |  | 10/21/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9694518 | [Redact] | [Redact] | 34754730 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-17): Sufficient Cure Provided At Closing |  | 10/17/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9694617 | [Redact] | [Redact] | 34640584 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-04): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694617 | [Redact] | [Redact] | 35117001 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower-level tertiary product that does not support the qualifying value. |  |  |  | Reviewer Comment (2025-12-02): Client elected to waive the condition |  |  | 12/02/2025 | 2 A B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694617 | [Redact] | [Redact] | 35134264 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |  | [Redact] | Reviewer Comment (2025-12-18): Client elected to waive the condition with compensating factors<br>Reviewer Comment (2025-12-17): The condition was elevated to the client for review. As-is the condition is valid and remains open. Client may approved an exception to downgrade and waive the condition.<br>Seller Comment (2025-12-16): Authorized signor on fraud report, not clear if still under review with client or still requesting<br>Reviewer Comment (2025-12-12): Condition was elevated to the client for review. The fraud report for the authorized signor/member is required.<br>Seller Comment (2025-12-12): Please provide update as this was uploaded on [Redacted]<br>Reviewer Comment (2025-12-09): Elevated to the client for review. Fraud Report for authorized signor/member who is on the note was not in file.<br>Seller Comment (2025-12-09): Participant is listed on update fraud report<br>Reviewer Comment (2025-12-08): Required a copy of the fraud report for the authorized signor, [Redacted]. Client's deal settings require the fraud report for all participants on the loan and an authorized signor/member, who signed the note is a participant. Exception remains<br>Seller Comment (2025-12-05): Attached<br>Reviewer Comment (2025-12-04): An additional copy of the fraud report and OFAC was provided for the borrower. The file is missing a copy of the fraud report and OFAC for the authorized signor, [Redacted]. Client's deal settings require the fraud report and OFAC for all participants on the loan and an authorized signor/member, who signed the note is a participant. Condition remains<br>Seller Comment (2025-12-03): Fraud Report |  |  | 12/18/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694617 | [Redact] | [Redact] | 35134279 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  |  |  |  |  | Reviewer Comment (2025-12-18): OFAC provided<br>Reviewer Comment (2025-12-17): The condition was elevated to the client for review. As-is the condition is valid and remains open. Client may approved an exception to downgrade and waive the condition.<br>Seller Comment (2025-12-16): Authorized signor on fraud report, not clear if still under review with client or still requesting<br>Reviewer Comment (2025-12-12): Condition was elevated to the client for review. The fraud report for the authorized signor/member is required.<br>Seller Comment (2025-12-12): Please provide update as this was uploaded on [Redacted]<br>Reviewer Comment (2025-12-09): Elevated to the client for review. Fraud Report for authorized signor/member who is on the note was not in file.<br>Seller Comment (2025-12-09): This is listed on updated fraud report<br>Reviewer Comment (2025-12-08): Required a copy of the OFAC for the authorized signor, [Redacted]. Client's deal settings require the OFAC for all participants on the loan and an authorized signor/member, who signed the note is a participant. Exception remains<br>Seller Comment (2025-12-05): Uploaded<br>Reviewer Comment (2025-12-04): An additional copy of the fraud report and OFAC was provided for the borrower. The file is missing a copy of the fraud report and OFAC for the authorized signor, [Redacted]. Client's deal settings require the fraud report and OFAC for all participants on the loan and an authorized signor/member, who signed the note is a participant. Condition remains<br>Seller Comment (2025-12-03): OFAC | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9694754 | [Redact] | [Redact] | 34644047 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9694758 | [Redact] | [Redact] | 34644254 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9697629 | [Redact] | [Redact] | 34654825 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): collateral delivered [Redacted] via fedex tracking [Redacted] | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9698115 | [Redact] | [Redact] | 34662597 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-12): (Rate Lock) [Redacted] Tracking #[Redacted] shows Delivered [Redacted] [Redacted] at [Redacted]. | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698251 | [Redact] | [Redact] | 34665464 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-10): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9698251 | [Redact] | [Redact] | 34892838 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the [Redacted] |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9698251 | [Redact] | [Redact] | 34892845 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received [Redacted] Initial CD, 3 business days prior to the consummation.<br>Seller Comment (2025-11-07): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9698251 | [Redact] | [Redact] | 34892847 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9731873 | [Redact] | [Redact] | 34671822 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9731873 | [Redact] | [Redact] | 34946885 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9731873 | [Redact] | [Redact] | 34946897 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9731873 | [Redact] | [Redact] | 34947132 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guideline state the borrower's rental housing payment history for the most recent 12 months is required to be verified with a verification of rent (VOR) completed by a professional management company. The borrower has been renting the same primary residence since 1998 from an individual landlord. Rent has mainly been paid in cash, the borrower attests, but as of recently their daughter wanted to contribute and they allowed her to pay the landlord in cash in hopes that it would strengthen her responsibility skills. Rental payments thus cannot be sufficiently documented, but a VOR has been provided from the individual landlord confirming no late payments. Compensating factors: FICO [Redacted], residual income $[Redacted], and 2[Redacted] months reserves. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years. | DTI [Redacted] where [Redacted] is maximum<br>Post close assets: [Redacted][Redacted]months where [Redacted] months is required ([Redacted]X)<br>Job stability: [Redacted] years at current business | Aggregator,[Redact]<br>[Redact],Originator Pre-Close,Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-11-10): Client elects to waive with compensating factors:<br> Post close assets: [Redacted] months where [Redacted] months is required (3X)<br> DTI [Redacted] where [Redacted] is maximum<br> [Redacted]: [Redacted] years at current business |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9731872 | [Redact] | [Redact] | 34671823 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-13): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/13/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9731872 | [Redact] | [Redact] | 34947681 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9499996 | [Redact] |  | 34690806 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted]is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-10-20): Received bank statement. Exception Cleared.<br>Seller Comment (2025-10-16): Banks statements with sufficient liquidity uploaded. | 10/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C A |  | N/A | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34676776 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935936 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935937 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935938 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935939 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. | Note: the itemization in file was dated post-closing, therefore none of the seller paid credit that was itemized could be offset. |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935940 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935941 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the [Redacted] |  |  | 11/07/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935943 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redact] Covered Loan (Financed Fees Exceeds Threshold) | [Redacted] Covered Loan: Lender financed points and fees in excess of the greater of [Redacted]% or $[Redacted]. |  |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted]: Please see the attached Par Rate, The price of the undiscounted rate is $[Redacted], there is no charge for undiscounted (also known as PAR) rate. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935944 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redact] Covered Loan (Points and Fees) | [Redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-11-11): Offset provided for seller paid loan discounts per Itemization bringing points and fees under threshold.<br>Seller Comment (2025-11-10): [Redacted] A portion of the Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935947 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935948 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided At Closing |  | 11/07/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-11-11): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-11-10): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted]<br>Seller Comment (2025-11-10): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 11/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9732148 | [Redact] | [Redact] | 34935968 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/08/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9698057 | [Redact] |  | 34750085 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). |  | ULI Information not provided in the file. |  |  |  | Reviewer Comment (2025-10-24): ULI provided<br>Buyer Comment (2025-10-22): [Redacted] | 10/24/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9698057 | [Redact] |  | 34750753 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): [Redacted] received a valid COC.<br>Seller Comment (2025-11-04): COC dated [Redacted]<br>Reviewer Comment (2025-10-29): [Redacted] Received COC dated [Redacted]; however, discount point fee increased on CD dated [Redacted] which is prior to COC dated [Redacted]. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2025-10-27): COC for discount points | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698057 | [Redact] |  | 34750755 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-11-04): COC | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9698057 | [Redact] |  | 34909813 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9732721 | [Redact] | [Redact] | 34679706 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9732721 | [Redact] | [Redact] | 35172665 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9733845 | [Redact] | [Redact] | 34680652 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-04): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-04): Note tracking was provided on [Redacted]. Please clear final suspense condition.<br>Buyer Comment (2025-12-02): (Rate Lock) [Redacted] delivered [Redacted]<br>Seller Comment (2025-11-28): (Rate Lock) Attached note tracking | 12/04/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9733845 | [Redact] | [Redact] | 35036373 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-12-01): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-11-28): (Rate Lock) Attached 1008 | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9733845 | [Redact] | [Redact] | 35037149 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9733845 | [Redact] | [Redact] | 35037150 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive the condition on the [Redacted] |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 10047039 | [Redact] | [Redact] | 34693173 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-21): Your [Redacted] received collateral docs on [Redacted] - tracking# [Redacted]<br>Seller Comment (2025-11-13): Tracking ID:<br> [Redacted] - Note received on [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10047039 | [Redact] | [Redact] | 34965403 |  | Credit | Document Error | General | Document Error | Escrow Holdback present and required documentation not in file. |  | Buyer's Estimated Settlement Statement reflects a $[Redacted] Refundable Escrow Pad. Escrow holdbacks are not allowed per the client. Provide a copy of the final Settlement Statement removing the escrow pad. |  |  |  | Reviewer Comment (2025-11-14): Final settlement statement provided and Escrow Pad was removed.<br>Seller Comment (2025-11-13): Final settlement statement with no escrow pad listed. | 11/14/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9735275 | [Redact] | [Redact] | 34693178 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9735275 | [Redact] | [Redact] | 35132637 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | 442 is missing in the file the 1004 is subject to completion.. |  |  |  | Reviewer Comment (2025-12-18): Received 1004D/442. Exception Cleared.<br>Seller Comment (2025-12-17): Final Inspection Report | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9735275 | [Redact] | [Redact] | 35134604 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | The declaration section of all 1003s in the file identified the borrower will occupy the subject as their primary residence. Note: a processor's cert in file identified this was an error and the occupancy cert confirmed the investment occupancy; however a revised final 1003 is required correcting the declarations section and the REO section where the primary residence was identified as an Investment property. |  |  |  | Reviewer Comment (2025-12-18): Received revised 1003. Exception Cleared.<br>Seller Comment (2025-12-17): Revised Final 1003 - borrower initialed | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9735283 | [Redact] | [Redact] | 34693323 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-10-29): Waived on Rate Lock: Collateral cleared by [Redacted] | 10/29/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9735283 | [Redact] | [Redact] | 34785095 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-23): Sufficient Cure Provided At Closing |  | 10/23/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9735283 | [Redact] | [Redact] | 34888308 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the expense letter from the CPA/Tax Preparer verifying the lower expense ratio used to qualify. |  |  |  | Reviewer Comment (2025-11-24): CPA letter received, exception cleared.<br>Seller Comment (2025-11-19): [Redacted]: The P&L expense ratio of [Redacted]% was verified by dividing the total expenses of $[Redacted] by the gross revenue/ sales $[Redacted]. An additional CPA letter stating this is redundant and not required per investor guidelines.<br>Reviewer Comment (2025-11-19): Provided P&L doesn't reflet expense ratio. As per guideline required letter from the CPA/Tax Preparer verifying the lower expense ratio to clear this condition. Exception Remains.<br>Seller Comment (2025-11-17): [Redacted]: An expense ratio of [Redacted]% was not considered for qualification. The borrower provided a signed P&L statement from their CPA, and the P&L expense ratio of [Redacted]% was utilized for qualification. When utilizing a P&L for qualification, the agreed upon guidelines between [Redacted] and [Redacted] do not state that a CPA letter must also be provided.<br>Seller Comment (2025-11-17): [Redacted] - [Redacted]: An expense ratio of [Redacted]% was not considered for qualification. The borrower provided a signed P&L statement from their CPA, and the P&L expense ratio of [Redacted]% was utilized for qualification. When utilizing a P&L for qualification, the agreed upon guidelines between [Redacted] and [Redacted] do not state that a CPA letter must also be provided.<br>Reviewer Comment (2025-11-13): As per guideline required expense letter from the CPA/Tax Preparer verifying the lower expense ratio used to qualify. Exception Remains.<br>Seller Comment (2025-11-11): [Redacted] - [Redacted]: Please see the attached income worksheet. The borrower was qualified via Option #3 - P&L expense ratio. The calculation utilized a [Redacted]% expense ratio was not applied.<br>Reviewer Comment (2025-11-11): Underwriter taken [Redacted]% expense ratio for income calculation. As per guideline if lower expense ratio consider for calculation then required expense letter from the CPA/Tax Preparer. Exception Remains.<br>Seller Comment (2025-11-07): [Redacted] - [Redacted] Please see the attached profit and loss statement. The P&L expense ratio was utilized for qualification. | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 9769232 | [Redact] | [Redact] | 34962987 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | High cost due to points and fees. |  |  |  | Reviewer Comment (2025-11-12): Client elected to waive the condition on the [Redacted] |  |  | 11/12/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9769232 | [Redact] | [Redact] | 34970138 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9769302 | [Redact] | [Redact] | 34703831 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by[Redacted]<br>Seller Comment (2025-12-19): (Rate Lock) [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9769302 | [Redact] | [Redact] | 35277499 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/19/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9769475 | [Redact] | [Redact] | 34705805 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by[Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| [Redact] | 9769481 | [Redact] | [Redact] | 34705807 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-10): Waived on Rate Lock: Collateral cleared by[Redacted] | 11/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9769481 | [Redact] | [Redact] | 34894477 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9769481 | [Redact] | [Redact] | 34894489 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9769481 | [Redact] | [Redact] | 34894490 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-04): Sufficient Cure Provided At Closing |  | 11/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9769481 | [Redact] | [Redact] | 34894492 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final[Redacted]) |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received initial CD dated [Redacted].<br>Seller Comment (2025-11-07): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9802884 | [Redact] | [Redact] | 34723856 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by[Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9803034 | [Redact] | [Redact] | 34724655 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by[Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804556 | [Redact] | [Redact] | 34727395 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804556 | [Redact] | [Redact] | 34984479 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2025-12-08): Received Right to Receive Copy of Appraisal Disclosure. Exception Cleared.<br>Seller Comment (2025-12-04): Notice of right to receive<br>Reviewer Comment (2025-12-03): Provided documents already present in file. Required Right to Receive a Copy appraisal disclosure to applicant within three (3) business days of application. Exception Remains.<br>Seller Comment (2025-12-01): Sure receipts/Notice of rights to receive<br>Reviewer Comment (2025-11-24): File was missing appraisal disclosure to applicant within three (3) business days of application. Exception Remains.<br>Seller Comment (2025-11-21): Proof of delivery | 12/08/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804558 | [Redact] | [Redact] | 34727484 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-25): Note delivery confirmation uploaded | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804558 | [Redact] | [Redact] | 35038206 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-25): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-25): Fraud Report | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804558 | [Redact] | [Redact] | 35038207 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-11-25): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-25): Fraud Report | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804558 | [Redact] | [Redact] | 35038208 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-11-25): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-25): Fraud Report uploaded | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804558 | [Redact] | [Redact] | 35038220 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804558 | [Redact] | [Redact] | 35038255 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Borrower's verification of employment not within 10 days of the note. |  |  |  | Reviewer Comment (2025-11-25): Received VVOE. Exception Cleared.<br>Seller Comment (2025-11-25): VOE uploaded | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9804818 | [Redact] | [Redact] | 34727563 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9804818 | [Redact] | [Redact] | 34910702 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | QM Points and Fees threshold exceeded by $[Redacted] or [Redacted]%. Lender to issue refund of overage to borrower. Lender to provide copy of refund check and proof of delivery. Provide payment history of loan verifying loan is not [Redacted] days delinquent. |  |  |  | Reviewer Comment (2025-11-06): Client elected to waive the condition on the [Redacted] |  |  | 11/06/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9805427 | [Redact] | [Redact] | 34735563 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-04): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-03): (Rate Lock) [Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805427 | [Redact] | [Redact] | 34933155 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Total fees financed by lender is $[Redacted]. Threshold maximum is $[Redacted]. |  |  |  | Reviewer Comment (2025-11-07): Client elected to waive the condition on the [Redacted] |  |  | 11/07/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9805427 | [Redact] | [Redact] | 35026485 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Mortgagor Name(s) does not agree with Schedule [Redacted]: [Redacted], A [Redacted] COMPANY BY: [Redacted] ALL DOCS: [Redacted] |  |  |  | Buyer Comment (2025-12-04): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/04/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805429 | [Redact] | [Redact] | 34735793 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805429 | [Redact] | [Redact] | 34990708 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance verification |  |  |  | Reviewer Comment (2025-12-02): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-11-28): REO DOCS | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805429 | [Redact] | [Redact] | 34990725 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file for [Redacted] | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-12): Client elected to waive the condition with compensating factors.<br>Reviewer Comment (2025-12-05): Condition is valid, the fraud report is required for all participants per the client's deal settings, including the authorized signor. Condition remains<br>Buyer Comment (2025-12-04): (Rate Lock) Rebuttal<br>Seller Comment (2025-12-03): Rebuttal<br>Reviewer Comment (2025-12-01): Provided fraud report is for borrower [Redacted]. Required fraud report for authorized user[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-12-01): Added [Redacted] as participant<br>Reviewer Comment (2025-11-21): Required credit report for authorized user [Redacted]. Exception Remains.<br>Seller Comment (2025-11-19): [Redacted] is not a borrower |  |  | 12/12/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9805429 | [Redact] | [Redact] | 34990808 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-14): Client elected to waive the condition on the [Redacted] |  |  | 11/14/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9805429 | [Redact] | [Redact] | 34991686 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing REO income/expense documentation. |  |  |  | Reviewer Comment (2025-12-01): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-11-28): See upload | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9806548 | [Redact] | [Redact] | 34743430 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Buyer Comment (2025-12-10): (Rate Lock) note tracking: [Redacted]. Delivered [Redacted] <br> note addendum tracking: [Redacted]. Delivered [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9808472 | [Redact] | [Redact] | 34755133 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-19): Note Tracking is [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9808472 | [Redact] | [Redact] | 34947618 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9808472 | [Redact] | [Redact] | 34968162 |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | The file is missing proof the funds from the HELOC have been received. Note: the file contained a wire confirmation verifying $[Redacted] was sent to the title company on [Redacted] from account xx[Redacted]; however the most recent statement for account xx[Redacted] was dated [Redacted] and only shows a balance of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-02): Proof of funds from HELOC documented<br>Seller Comment (2025-11-25): [Redacted] account xx[Redacted]Statement | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9808475 | [Redact] | [Redact] | 34755454 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-10): NOTE TRACKING: [Redacted]. Delivered [Redacted]. PLEASE LOCATE. THANK YOU! | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9808475 | [Redact] | [Redact] | 35245284 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Mortgagor Name(s) does not agree with Schedule [Redacted]: [Redacted] :NOTE: [Redacted] |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9808709 | [Redact] | [Redact] | 34756647 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9808758 | [Redact] | [Redact] | 34757112 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-04): (Rate Lock) [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9808806 | [Redact] | [Redact] | 34758495 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-09): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-08): (Rate Lock) Per tracking [Redacted] the Note was delivered on [Redacted] | 12/09/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808806 | [Redact] | [Redact] | 35135914 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2025-12-08): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-05): (Rate Lock) Fraud Manager report | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808806 | [Redact] | [Redact] | 35135915 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-12-08): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-05): (Rate Lock) Fraud Manager report | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808806 | [Redact] | [Redact] | 35135923 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808806 | [Redact] | [Redact] | 35135934 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-12-08): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-05): (Rate Lock) Fraud Manager report | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9808806 | [Redact] | [Redact] | 35135940 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval is provided to allow Borrower purchased his Prim Res w/his son [Redacted] years ago, and his son eventually refinanced it into his own name. Our borrower has no [Redacted] month housing history, because he has been living in a home that is now owned by his son. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] post close reserves ([Redacted] months or [Redacted]).<br>[Redacted] LTV is [Redacted] below max ([Redacted]). | Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-12-04): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] LTV is [Redacted] below max ([Redacted]). <br> [Redacted] post close reserves ([Redacted]months or [Redacted]). <br> Credit depth: [Redacted]-year trade history and [Redacted] - year mortgage history paid as agreed. |  |  | 12/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9768748 | [Redact] |  | 34787164 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accepted. |  |  | 10/31/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9768748 | [Redact] |  | 34787166 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-11-05): Certificate of Compliance provided<br>Seller Comment (2025-11-03): please see attached | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34804385 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | The file is missing the third party verification of self-employment for the co-borrower. |  |  |  | Reviewer Comment (2025-11-04): Received employer letter. Exception Cleared.<br>Seller Comment (2025-11-03): [Redacted] letter from employer | 11/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34804390 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2025-11-05): Third party verification of co-borrower's S/E provided | 11/05/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| [Redact] | 9768759 | [Redact] |  | 34804393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Third party verification was not provided. |  |  |  | Reviewer Comment (2025-11-05): Third party verification of co-borrower's S/E provided<br>Seller Comment (2025-11-03): Please clarify which employer you are looking for ? [Redact] or [Redacted] eat? | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34804394 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive condition for WVOE requirement w/ comp factors. | 11/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34804395 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-05): Third party verification of co-borrower's S/E provided | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34844973 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Guidelines require a WVOE when commission income is being used. File was missing the WVOE. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | .[Redacted] months reserves<br>residual income [Redacted] monthly. | Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-11-24): Client elected to waive the condition with the following Compensating Factors:<br> [Redacted] months reserves, residual income [Redacted] monthly.<br>Reviewer Comment (2025-11-12): Client required the condition to remain open without the WVOE. Condition remains<br>Seller Comment (2025-11-12): We need to escalate the issue at the investor then. YTD paystubs reflect exactly what commissions a WVOE would reflect. Which is why we have the exception in the file to use less than 12 months of commission income for qualifying as we used YTD commission income.<br>Reviewer Comment (2025-11-11): Guidelines require "Written Verification of Employment (WVOE) is required to show the breakdown of the income type" when using Commission income to qualify.<br>Seller Comment (2025-11-07): hello please find exception attached. WVVOE is not required<br>Reviewer Comment (2025-11-05): An additional copy of the VVOE was provided. Per the guides, a Written VOE is required when commission income is being used. Condition remains<br>Seller Comment (2025-11-05): vvoes<br>Reviewer Comment (2025-11-04): As per guideline WVOE required to clear this condition. Exception Remains.<br>Seller Comment (2025-10-31): hi. please find attached VVOE for "[Redacted]" …the exception did not clarify which job this is missing for. |  |  | 11/24/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34857450 |  | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet minimum income documentation requirements. |  | Per the guidelines, commission income earned for less than one year may not be used. Lender exception approval in file to allow for less than 1 year commission income. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | .[Redacted] months reserves<br>residual income [Redacted] monthly. | Originator Pre-Close,Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-11-12): Client elected to waive the condition with the following compensating factors:<br> [Redacted] months reserves<br>Reviewer Comment (2025-11-11): Per the guidelines, commission income earned for less than one year may not be used. Lender exception approval in file to allow for less than 1 year commission income. Client to review.<br>Seller Comment (2025-11-07): exception |  |  | 11/12/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768759 | [Redact] |  | 34913954 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Updated after Third party verification of co-borrower's S/E provided |  |  |  | Reviewer Comment (2025-11-24): Client elected to waive condition for WVOE requirement w/ comp factors. | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| [Redact] | 9768730 | [Redact] |  | 34806306 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accept |  |  | 10/31/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9768730 | [Redact] |  | 34806310 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9768758 | [Redact] |  | 34804233 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accepted |  |  | 10/31/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9768745 | [Redact] |  | 34803777 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]% |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accepted |  |  | 10/31/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9768753 | [Redact] |  | 34804491 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Copy of Bank Statement account ending #[Redacted] for the month of [Redacted] ([Redacted]) is missing. |  |  |  | Reviewer Comment (2025-11-05): Missing statement was provided<br>Seller Comment (2025-11-04): missing bank statement | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34804494 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Copy of Bank Statement account ending #[Redacted] for the month of [Redacted] ([Redacted]) is missing. |  |  |  | Reviewer Comment (2025-11-05): Missing statement was provided<br>Seller Comment (2025-11-04): [Redacted] bank statement for [Redacted] | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34804951 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing bank statement. |  |  |  | Reviewer Comment (2025-11-24): Revised Income Worksheet provided with combined deposits. Exception cleared. | 11/24/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9768753 | [Redact] |  | 34804952 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Waterfall due to missing bank statement. |  |  |  | Reviewer Comment (2025-11-24): Revised Income Worksheet provided with combined deposits. Exception cleared.<br>Seller Comment (2025-11-24): hi this is a waterfall condition. all other conditions have been cleared. can this loan be moved to clear | 11/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34804953 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing bank statement. |  |  |  | Reviewer Comment (2025-11-24): Revised Income Worksheet provided with combined deposits. Exception cleared. | 11/24/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34804955 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. | Waterfall due to missing bank statement. |  |  |  | Reviewer Comment (2025-11-24): Revised Income Worksheet provided with combined deposits. Exception cleared. | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34804956 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing bank statement. |  |  |  | Reviewer Comment (2025-11-24): Revised Income Worksheet provided with combined deposits. Exception cleared. | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34857497 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The lender qualified with only 5 months statements from a new account xx[Redacted]. The guides require a minimum of 12 months statements. Note: if income from this account is excluded, the DTI will exceed the guideline max. |  |  |  | Reviewer Comment (2025-11-14): Account #[Redacted] transfer to account #[Redacted]. Exception Cleared.<br>Seller Comment (2025-11-12): inclusion<br>Seller Comment (2025-11-12): exclusion<br>Seller Comment (2025-11-12): 1008<br>Seller Comment (2025-11-12): The borrower opened a 2nd business account for[Redacted] in [Redacted]. [Redacted] are transferring back and forth between the 2 accounts and mobile deposits to account [Redacted] are similar in nature to the deposits to the original business account ending [Redacted]. We did not require an LOE for why he did this, since it did not seem relevant. He could have just left the account as is and deposited the [Redacted] all into [Redacted] but he chose to have a 2nd account whose deposits were factored over the 12 month period - there is nothing unusual going on and the business income is stable to increasing - <br>Requesting a 2nd look as the income is reasonable<br>Reviewer Comment (2025-11-05): A revised income calculation worksheet was provided combining the two accounts. Clarification from the borrower is needed to identify the reason for the new account (xx[Redacted]) being opened [Redacted] and confirming the business income is being split into both accounts. [Redacted] months statements are required to be used and just combining the income from both is not sufficient. Additional information is required<br>Seller Comment (2025-11-04): The bank statement analysis is a combined of two accounts and qualify overall is [Redacted] months.<br> This shouldn't be a problem.<br> [Redacted]st page of the analysis combined both accounts. [Redacted] #[Redacted] was opened on [Redacted] and has the same business name as account #[Redacted] | 11/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 34857519 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The lender qualified with only 5 months statements from a new account xx[Redacted]. The guides require a minimum of 12 months statements. Note: if income from this account is excluded, the DTI will exceed the guideline max. |  |  |  | Reviewer Comment (2025-11-14): Account #[Redacted] transfer to account #[Redacted]. Exception Cleared.<br>Reviewer Comment (2025-11-05): A revised income calculation worksheet was provided combining the two accounts. Clarification from the borrower is needed to identify the reason for the new account (xx[Redacted]) being opened [Redacted] and confirming the business income is being split into both accounts. [Redacted] months statements are required to be used and just combining the income from both is not sufficient. Additional information is required<br>Seller Comment (2025-11-04): The bank statement analysis is a combined of two accounts and qualify overall is [Redacted] months.<br> This shouldn't be a problem.<br> [Redacted]st page of the analysis combined both accounts. [Redacted] #[Redacted] was opened on [Redacted] and has the same business name as account #[Redacted] | 11/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9768753 | [Redact] |  | 35065919 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-11-24): Revised Income Worksheet provided with combined deposits. Exception cleared. | 11/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9808959 | [Redact] | [Redact] | 34763992 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-11): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-09): (Rate Lock) [Redacted] | 12/11/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9808959 | [Redact] | [Redact] | 35093290 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9809153 | [Redact] | [Redact] | 34764324 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-13): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2026-01-12): (Rate Lock) [Redacted] | 01/13/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809163 | [Redact] | [Redact] | 34765151 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809163 | [Redact] | [Redact] | 35073841 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 11/26/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809163 | [Redact] | [Redact] | 35074027 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  |  |  |  | 11/26/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9809936 | [Redact] | [Redact] | 34773248 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-11-20): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9809936 | [Redact] | [Redact] | 35014569 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  |  |  |  |  | Reviewer Comment (2025-12-02): Updated declaration page provided with an earlier effective date.<br>Seller Comment (2025-12-01): please advise if the docs provided will clear this condition<br>Seller Comment (2025-11-25): HOI | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9809936 | [Redact] | [Redact] | 35014576 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB270 Prepayment Penalty Test 2009 Investment Test | [Redacted] [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  |  | Reviewer Comment (2025-12-15): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law.<br>Reviewer Comment (2025-12-09): Elevated to the client for review<br>Seller Comment (2025-12-09): please advise if there is anything else need to clear this condition<br>Reviewer Comment (2025-11-21): Elevated to the client for review<br>Seller Comment (2025-11-20): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted]o, and [Redacted]. All of there has the same condition as this one and have been cleared on your site. |  |  | 12/15/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9810051 | [Redact] | [Redact] | 34773621 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9810051 | [Redact] | [Redact] | 34913912 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] SB 1894 | [Redacted] Predatory Lending Database Program ([Redacted] [Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | Reviewer Comment (2025-12-09): Certificate of Compliance provided<br>Seller Comment (2025-12-09): [Redacted] [Redacted] Please see attached Disclosure | 12/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9810051 | [Redact] | [Redact] | 34927280 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9810292 | [Redact] | [Redact] | 34773924 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9810292 | [Redact] | [Redact] | 34915782 |  | Credit | Collateral | Missing/Incorrect | Collateral | Missing tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-10): [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9810292 | [Redact] | [Redact] | 34916473 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file contains only one month of bank statements for Account #[Redacted]. The guidelines require [Redacted] days. |  |  |  | Reviewer Comment (2025-12-17): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-16): [Redacted] statement<br>Reviewer Comment (2025-11-18): As per guideline provided statements must cover at least [Redacted]days to clear this condition. Exception Remains.<br>Seller Comment (2025-11-18): Please recheck the guidelines, Chapter 6 states [Redacted] days for a refi.<br>Reviewer Comment (2025-11-17): Chapter 6 of the guidelines state asset statements must cover at least [Redacted] days. There is no reference in the guidelines identifying only [Redacted] days are allowed on refinances. Condition remains<br>Seller Comment (2025-11-13): rebuttal | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9810293 | [Redact] | [Redact] | 34774029 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-22): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9843813 | [Redact] | [Redact] | 34774098 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9843813 | [Redact] | [Redact] | 35058521 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of Homeowner's Insurance. |  |  |  | Reviewer Comment (2025-12-05): Received tax certificate & hazard insurance. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] is the hoi for [Redacted]. The property address is on page[Redacted]. | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9843813 | [Redact] | [Redact] | 35058530 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification for additional expenses of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Received tax certificate & hazard insurance. Exception Cleared.<br>Seller Comment (2025-12-03): That is the hazard insurance. It's in the file under [Redacted] | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9843813 | [Redact] | [Redact] | 35058536 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification for additional expenses of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Received tax certificate & hazard insurance. Exception Cleared.<br>Seller Comment (2025-12-03): LOX with expenses broken down | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9843813 | [Redact] | [Redact] | 35058538 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification for additional expenses of $[Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Received tax certificate & hazard insurance. Exception Cleared.<br>Seller Comment (2025-12-04): LOX with payment breakdowns | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9844270 | [Redact] | [Redact] | 34777371 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9844270 | [Redact] | [Redact] | 35069443 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-01): Client elected to waive the condition on the [Redacted] |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9844271 | [Redact] | [Redact] | 34777452 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9844271 | [Redact] | [Redact] | 35078672 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-01): Client elected to waive the condition on the [Redacted] |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9844303 | [Redact] | [Redact] | 34777968 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-01): Shipping Tracking [Redacted]. Delivered [Redacted] | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9844303 | [Redact] | [Redact] | 35103159 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement not Provided |  |  |  | Reviewer Comment (2025-12-02): Guarantor Agreement not required. Exception Cleared.<br>Seller Comment (2025-12-01): Please waive. Guarantor Agreement not required, Borrower executed Note as an individual and managing member of the LLC | 12/02/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9844303 | [Redact] | [Redact] | 35103164 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-11-26): Client elected to waive the condition on the [Redacted] |  |  | 11/26/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9844557 | [Redact] | [Redact] | 34782014 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9844560 | [Redact] | [Redact] | 34782444 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-16): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9844560 | [Redact] | [Redact] | 35215687 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The assets in file were short reserves. The difference is due to there is a $[Redacted] additional deposit disclosed on the final CD and the documentation to verify this deposit was not located in file. |  |  |  | Reviewer Comment (2025-12-22): Received letter from broker. Exception Cleared.<br>Seller Comment (2025-12-19): UW response: The $[Redacted] is a Real Estate broker's credit to buyer. Here is the letter from broker. Borrower has sufficient assets for reserves and funds to close | 12/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9844673 | [Redact] | [Redact] | 34783511 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9844673 | [Redact] | [Redact] | 35259247 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Escrow Waiver Fee | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Escrow Waiver Fee. | Final Closing Disclosure provided on [Redacted] did not disclose the Escrow Waiver Fee on page 4, in the Escrow Account section, but disclosed an Escrow Waiver Fee on page 2 in section A. |  |  |  | Reviewer Comment (2025-12-30): [Redacted] received corrected PCCD and LOE<br>Seller Comment (2025-12-29): PCCD & LOX |  | 12/30/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [Redact] | 9844717 | [Redact] | [Redact] | 34783690 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by Custodian | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9844719 | [Redact] | [Redact] | 34783691 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9844724 | [Redact] | [Redact] | 34783692 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by Custodian | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9844723 | [Redact] | [Redact] | 34783697 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9844723 | [Redact] | [Redact] | 35025946 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-10): [Redacted] received LOE for similar fee name on LE and CDs.<br>Seller Comment (2025-12-09): [Redacted] [Redacted] Please see attached Attestation Letter<br>Reviewer Comment (2025-11-25): [Redacted] received attestation that property condition report fee on LEs and ICD is same as 2nd appraisal fee but as per the file there is no Property Condition Report Fee disclosed on any of the LEs and ICD. Please provide correct attestation or a VCC is required.<br>Seller Comment (2025-11-24): Please see attached Attestation Letter | 12/10/2025 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 9845322 | [Redact] | [Redact] | 34787735 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-26): [Redacted] - delivered[Redacted],[Redacted] at [Redacted] | 12/01/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9845322 | [Redact] | [Redact] | 35071507 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  |  | 11/25/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9845322 | [Redact] | [Redact] | 35117025 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-28): Sufficient Cure Provided At Closing |  | 11/28/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9845828 | [Redact] | [Redact] | 34788665 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-22): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. | 12/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9845828 | [Redact] | [Redact] | 35267740 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9845835 | [Redact] | [Redact] | 34789151 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9845835 | [Redact] | [Redact] | 35040647 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-11-26): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-11-24): [Redacted]: Please see attached document from title documenting the tax amount. | 11/26/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9845837 | [Redact] | [Redact] | 34789153 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-20): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/20/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9845850 | [Redact] | [Redact] | 34791083 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-11): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9845850 | [Redact] | [Redact] | 34919964 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There is an occupancy discrepancy, the 1004 shows the subject is owner occupied, the loan purpose is a refinance of an investment property. |  |  |  | Reviewer Comment (2025-11-21): Revised appraisal provided<br>Seller Comment (2025-11-21): (Rate Lock) Updated appraisal | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9845850 | [Redact] | [Redact] | 34939798 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The Amount Financed was under-disclosed by $[Redacted]. It appears the lender did not include the Title - Tax Cert fee, Title-Tax Service Fee, or the Title-Transaction Management Fee in the prepaid finance charges. Note: Loan cannot be tested as Exempt due to a consumer purpose was identified. Consumer debt was paid off at closing. |  |  |  | Reviewer Comment (2025-12-19): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-12-19): Sent to compliance for review.<br>Seller Comment (2025-12-19): this is an investment property rescission does not apply. please escalate and clarify what is needed<br>Seller Comment (2025-12-19): this is an investment property<br>Reviewer Comment (2025-12-11): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Seller Comment (2025-12-10): lox pccd [Redacted]label and cure check |  | 12/19/2025 |  | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9845850 | [Redact] | [Redact] | 34939799 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The Finance Charge was under-disclosed by $[Redacted]. It appears the lender did not include the Title - Tax Cert fee, Title-Tax Service Fee, or the Title-Transaction Management Fee in the prepaid finance charges. Note: Loan cannot be tested as Exempt due to a consumer purpose was identified. Consumer debt was paid off at closing. |  |  |  | Reviewer Comment (2025-12-19): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-12-19): Sent to compliance for review.<br>Seller Comment (2025-12-19): this is an investment property rescission does not apply. please escalate and clarify what is needed<br>Reviewer Comment (2025-12-11): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Seller Comment (2025-12-10): lox pccd [Redacted] label and cure check |  | 12/19/2025 |  | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9845891 | [Redact] | [Redact] | 34791148 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by Custodian | 12/10/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9845891 | [Redact] | [Redact] | 35164868 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-04): Sufficient Cure Provided At Closing |  | 12/04/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9845891 | [Redact] | [Redact] | 35167700 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final 1084 is missing in the file the 1084 in the file shows a much higher amount than the final income used on the approval and 1008. |  |  |  | Reviewer Comment (2025-12-10): Corrected income calculation worksheet provided<br>Seller Comment (2025-12-09): [Redacted] [Redacted]: Please see attached document | 12/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9845893 | [Redact] | [Redact] | 34791150 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  | Waterfall due to missing HOEPA document. |  |  |  | Buyer Comment (2025-11-14): Waived on Rate Lock: Collateral cleared by Custodian | 11/14/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9768755 | [Redact] |  | 34834204 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-10-30): Initial and Final Grade B, accepted |  |  | 10/30/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | Yes |
| [Redact] | 9768755 | [Redact] |  | 34834205 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | The file was missing a copy of the Credit Report |  |  |  | Reviewer Comment (2025-11-05): Received credit report. Exception Cleared. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9768755 | [Redact] |  | 34834228 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-05): Received credit report. Exception Cleared. | 11/05/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes |
| [Redact] | 9768755 | [Redact] |  | 34834229 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-05): Received credit report. Exception Cleared. | 11/05/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9768755 | [Redact] |  | 34834421 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 10/29/2025 | 2 B |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9768755 | [Redact] |  | 34834428 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file was missing a copy of the Credit Report |  |  |  | Reviewer Comment (2025-11-05): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-03): credit report | 11/05/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9768755 | [Redact] |  | 34835240 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Unable to verify FICO score due to missing Credit Report. |  |  |  | Reviewer Comment (2025-11-05): Received credit report. Exception Cleared. | 11/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9768746 | [Redact] |  | 34844325 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-10-31): Initial and Final Grade B, accepted |  |  | 10/31/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9847912 | [Redact] | [Redact] | 34797031 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): (Rate Lock) [Redacted] | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9847914 | [Redact] | [Redact] | 34797158 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9847914 | [Redact] | [Redact] | 35010111 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). |  |  |  | Reviewer Comment (2025-11-19): Client elected to waive the condition on the [Redacted] |  |  | 11/19/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9848351 | [Redact] | [Redact] | 34797964 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9848353 | [Redact] | [Redact] | 34798120 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-09): Per [Redacted] Tracking #[Redacted] the note was delivered on[Redacted]. | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9251444 | [Redact] |  | 34801589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed as $[Redacted] vs actual amount of $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-08-08): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-06): Submitted PCCD docs and proof of $[Redacted] fee refund to borrower. |  | 08/08/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9251444 | [Redact] |  | 34801590 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance charge disclosed as $[Redacted] vs actual amount of $[Redacted]. Variance = -$[Redacted]. |  |  |  | Reviewer Comment (2025-08-08): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-08-06): Submitted PCCD docs and proof of $[Redacted] fee refund to borrower. |  | 08/08/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| [Redact] | 9251444 | [Redact] |  | 34801593 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require HOI policy for below property:<br> [Redacted].<br> [Redacted].<br> [Redacted]. |  |  |  | Reviewer Comment (2025-08-08): Private lender, HO6 was not required.<br>Buyer Comment (2025-08-05): Submitted verification of no HO-6 policy requirement with private lender. | 08/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9848782 | [Redact] | [Redact] | 34801996 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9848782 | [Redact] | [Redact] | 35175788 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or .[Redacted]%). | FNMA [Redacted] Points and Fees |  |  |  | Reviewer Comment (2025-12-09): Client elected to waive the condition on the [Redacted] |  |  | 12/09/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9850050 | [Redact] | [Redact] | 34808139 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-11-20): (Rate Lock) [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850050 | [Redact] | [Redact] | 35013699 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-12-03): Received condo review checklist. Exception Cleared.<br>Seller Comment (2025-12-02): Attached the Signed Limited Condo Review. Please Clear. | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850116 | [Redact] | [Redact] | 34808596 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9850314 | [Redact] | [Redact] | 34809056 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-01): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/01/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850314 | [Redact] | [Redact] | 35059253 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  |  |  |  |  | Reviewer Comment (2025-12-02): Co borrower is not employed hence Transcript (1040) or W-2 Transcript not required. Exception Cleared.<br>Seller Comment (2025-12-01): Rebuttal | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850314 | [Redact] | [Redact] | 35059457 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Sufficient reserve not provided |  |  |  | Reviewer Comment (2025-12-02): Used cash out proceed from subject property. Exception Cleared.<br>Seller Comment (2025-12-01): Rebuttal | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9850314 | [Redact] | [Redact] | 35067902 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | There is evidence of the initial 1003 that the borrower intends on occupying the property as their primary residence. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9851224 | [Redact] | [Redact] | 34835838 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Buyer Comment (2025-11-25): (Rate Lock) [Redacted]<br>Seller Comment (2025-11-13): attached | 11/26/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9851224 | [Redact] | [Redact] | 34938587 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase agreement/Sales Contract not provided |  |  |  | Reviewer Comment (2025-11-14): Received Purchase Agreement. Exception Cleared.<br>Seller Comment (2025-11-13): attached | 11/14/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9851224 | [Redact] | [Redact] | 34938593 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-11-14): Received CDA. Exception Cleared.<br>Seller Comment (2025-11-13): attached | 11/14/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9851224 | [Redact] | [Redact] | 34938698 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable |  |  |  | Reviewer Comment (2025-11-14): Received project approval. Exception Cleared.<br>Seller Comment (2025-11-13): attached | 11/14/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9851226 | [Redact] | [Redact] | 34835885 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-09): Tracking # [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9851226 | [Redact] | [Redact] | 35094749 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | No documentation in the loan file to evidence borrower was provided with a copy of the appraisal at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-12-03): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-02): ECOA disclosure e-signed with initial docs | 12/03/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9851227 | [Redact] | [Redact] | 34835966 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-11): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-09): (Rate Lock) Original Note Delivered [Redacted] per [Redacted] | 12/11/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9851227 | [Redact] | [Redact] | 35121193 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9851227 | [Redact] | [Redact] | 35121335 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-11): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-12-10): (Rate Lock) LOE from [Redacted] | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9851567 | [Redact] | [Redact] | 34838292 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9851567 | [Redact] | [Redact] | 35163392 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9851859 | [Redact] | [Redact] | 34839258 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-19): Waived on Rate Lock: Collateral cleared by Custodian | 01/19/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9851859 | [Redact] | [Redact] | 35389341 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2026-01-09): Client elected to waive the condition on the[Redacted] |  |  | 01/09/2026 | 2 B |  | [Redact] | 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 |
| [Redact] | 9851859 | [Redact] | [Redact] | 35389344 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-09): Sufficient Cure Provided At Closing |  | 01/09/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9851859 | [Redact] | [Redact] | 35389345 |  | 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 Property Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-09): Sufficient Cure Provided At Closing |  | 01/09/2026 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9852712 | [Redact] | [Redact] | 34846150 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-10): Note was shipped to custodian [Redacted]. Tracking number [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9852712 | [Redact] | [Redact] | 35121606 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total [Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-02): Client elected to waive the condition on the[Redacted] |  |  | 12/02/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9852712 | [Redact] | [Redact] | 35125015 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower declined to use ACH. Per the guidelines, an ACH Form is required on all loans defined as a business purpose loans. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | LTV [Redacted]% vs max [Redacted]%<br>FICO [Redacted] vs min [Redacted] | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-09): Client elected to waive the condition with the following compensating factors:<br> LTV of [Redacted]% where [Redacted]% is maximum<br> Reserve of $[Redacted] where $[Redacted] is required (4x)<br> Housing payment history: Mortgage history dating to [Redacted] ([Redacted]years) paid as agreed.<br>Reviewer Comment (2025-12-09): Client exception approval provided; however the tolerances for the exception approval require the doc type to be [Redacted] years and based on the documentation in file the doc type is [Redacted]year. The file contained pay stubs and the [Redacted] W2 for the wage earner income and the distribution income has a start date of [Redacted]. A revised exception approval allowing the doc type of [Redacted] year is required. Condition remains<br>Seller Comment (2025-12-09): attached<br>Reviewer Comment (2025-12-08): The lender exception approval will not allow the condition to be downgraded and waived. The client exception approval is required to waive the condition. Condition remains<br>Seller Comment (2025-12-05): An exception for not providing one is in the file. [Redacted] |  |  | 12/09/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9852712 | [Redact] | [Redact] | 35147423 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file is missing two months statements for the IRA account, as required by the guidelines. The file only contained proof of the current balance and monthly distribution. |  |  |  | Reviewer Comment (2025-12-17): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-16): attached | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9852722 | [Redact] | [Redact] | 34847361 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-09): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-05): (Rate Lock) [Redacted] | 12/09/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9852722 | [Redact] | [Redact] | 35149642 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Fully executed Business Narrative not provided. |  |  |  | Reviewer Comment (2025-12-16): Business Narrative provided<br>Seller Comment (2025-12-15): (Rate Lock) here you go | 12/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9852722 | [Redact] | [Redact] | 35149672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Fully executed Business Narrative not provided. |  |  |  | Reviewer Comment (2025-12-16): Business Narrative provided<br>Seller Comment (2025-12-15): (Rate Lock) here you go | 12/16/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9852722 | [Redact] | [Redact] | 35149673 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Fully executed Business Narrative not provided. |  |  |  | Reviewer Comment (2025-12-16): Business Narrative provided<br>Seller Comment (2025-12-15): (Rate Lock) here you go | 12/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9852723 | [Redact] | [Redact] | 34847404 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9852723 | [Redact] | [Redact] | 35166985 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9852732 | [Redact] | [Redact] | 34847652 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9852732 | [Redact] | [Redact] | 35216438 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-12): Client elected to waive the condition on the [Redacted] |  |  | 12/12/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9855032 | [Redact] | [Redact] | 34855917 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted]tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9855033 | [Redact] | [Redact] | 34855983 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-18): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-17): Collateral delivered on [Redacted] via [Redacted]tracking [Redacted]. | 12/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9855033 | [Redact] | [Redact] | 35247467 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/16/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9855044 | [Redact] | [Redact] | 34856398 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 01/26/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9855044 | [Redact] | [Redact] | 35451442 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2026-01-13): Client elected to waive the condition on the [Redacted] |  |  | 01/13/2026 | 2 B |  | [Redact] | 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 |
| [Redact] | 9855067 | [Redact] | [Redact] | 34856689 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-16): Collateral delivered on [Redacted] via [Redacted]tracking [Redacted]. | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9855865 | [Redact] | [Redact] | 34863439 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted]tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9855865 | [Redact] | [Redact] | 35194003 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Copy of Operating Agreement is not available in file. |  |  |  | Reviewer Comment (2025-12-15): For [Redacted] state operating agreement not required. Received business entity listing. Exception Cleared.<br>Seller Comment (2025-12-12): Please see attached regarding operating agreement. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9855865 | [Redact] | [Redact] | 35194009 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Copy of Certificate of Good Standing is not available in file. |  |  |  | Reviewer Comment (2025-12-15): Received business entity listing. Exception Cleared.<br>Seller Comment (2025-12-12): Please see certificate of good standing. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9855865 | [Redact] | [Redact] | 35194228 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9856751 | [Redact] | [Redact] | 34865092 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-09): The collateral was delivered [Redacted] at [Redacted] via [Redacted]trk#[Redacted]. | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9856869 | [Redact] | [Redact] | 34865858 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9856882 | [Redact] | [Redact] | 34868914 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9856876 | [Redact] | [Redact] | 34868915 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9856874 | [Redact] | [Redact] | 34868916 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9857097 | [Redact] | [Redact] | 34870509 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-16): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9857097 | [Redact] | [Redact] | 35191659 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9857097 | [Redact] | [Redact] | 35191696 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9768776 | [Redact] |  | 34908783 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). |  |  |  |  | Buyer Comment (2025-11-12): Initial and Final Grade B, accepted |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9768776 | [Redact] |  | 34928232 |  | Credit | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Possible FIRREA violation, appraisal is not complete and may not offer substantial backing for value. |  | Number of units on the appraisal reflects [Redacted], however, the HOA Questionnaire shows that there are [Redacted] units in the project. Provide a revised appraisal correcting the project information. |  |  |  | Reviewer Comment (2025-12-03): Revised appraisal provided<br>Seller Comment (2025-12-02): corrected appraisal attached<br>Reviewer Comment (2025-11-27): Required revised appraisal with updated [Redacted] units. Exception Remains.<br>Seller Comment (2025-11-25): The subject and comps are all in the same condo project and all have the same market / value factors. can we get this on cleared? | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9768776 | [Redact] |  | 34929649 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2025-11-12): Received project approval. Exception Cleared.<br>Seller Comment (2025-11-11): hoa from complete | 11/12/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9858027 | [Redact] | [Redact] | 34886856 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-18): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/18/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9859561 | [Redact] | [Redact] | 34888388 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/26/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859561 | [Redact] | [Redact] | 35038816 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-12-03): Proof of receipt of all valuations provided<br>Seller Comment (2025-12-02): Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant<br>Reviewer Comment (2025-11-26): HPML requires all versions of the appraisal to be received at least 3 business days prior to close, that includes the initial, any revised versions and the final. Because we don't have evidence of the one issued on [Redacted] as being sent to the borrower, the condition is valid.<br>Seller Comment (2025-11-24): [Redacted] Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859561 | [Redact] | [Redact] | 35038817 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-12-03): Proof of receipt of all valuations provided<br>Seller Comment (2025-12-02): Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant<br>Reviewer Comment (2025-11-26): HPML requires all versions of the appraisal to be received at least 3 business days prior to close, that includes the initial, any revised versions and the final. Because we don't have evidence of the one issued on [Redacted] as being sent to the borrower, the condition is valid.<br>Seller Comment (2025-11-24): [Redacted] Disagree - Our Contract states that [Redacted] will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on [Redacted]. Revised appraisals simply due to clerical changes only with no change in value given at or prior to closing are considered HPML Compliant | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859561 | [Redact] | [Redact] | 35039761 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859561 | [Redact] | [Redact] | 35152896 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Proof of receipt of all valuations provided; however the final appraisal was received by the borrower less than three business days prior to closing. Loan is still considered HPML compliant. |  |  |  | Reviewer Comment (2025-12-09): Client elected to waive the condition<br>Reviewer Comment (2025-12-03): Elevated to the client for review |  |  | 12/09/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859566 | [Redact] | [Redact] | 34888392 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-02): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/02/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9860181 | [Redact] | [Redact] | 34892911 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-09): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/09/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860181 | [Redact] | [Redact] | 35154847 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860181 | [Redact] | [Redact] | 35154848 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860188 | [Redact] | [Redact] | 34893201 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-01): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/01/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860188 | [Redact] | [Redact] | 35104809 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Right to Receive a Copy is missing in the file. |  |  |  | Reviewer Comment (2025-12-04): Received Right to Receive Copy of Appraisal Disclosure. Exception Cleared.<br>Seller Comment (2025-12-03): [Redacted] [Redacted]: Please see the attached // | 12/04/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860185 | [Redact] | [Redact] | 34893202 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9860185 | [Redact] | [Redact] | 35161892 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | Flood Certificate not provided. |  |  |  | Reviewer Comment (2025-12-09): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-12-08): [Redacted] [Redacted]: please see attached | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9860185 | [Redact] | [Redact] | 35169719 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9856775 | [Redact] |  | 34927066 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/10/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9856775 | [Redact] |  | 34927068 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redact] | 9860459 | [Redact] | [Redact] | 34896002 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-18): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-16): Collateral received by custodian via tracking number [Redacted] | 12/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35128372 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35128376 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Loan is to be securitized. Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-12-08): Second Appraisal is available in file. Exception Cleared.<br>Seller Comment (2025-12-04): [Redacted] - when we have 2 appraisals [Redact] does not require any secondary valuation. | 12/08/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35128442 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. |  |  |  | Reviewer Comment (2025-12-12): Client provided updated guidelines not previously available. Per the updated guidelines, the max allowable LTV is [Redacted]%.<br>Reviewer Comment (2025-12-11): Per the guidelines used for review, the max LTV on an Investment Property, Bank Statement income, Rate/Term Refinance, with a loan amount > $[Redacted] is [Redacted]%. Condition is valid and remains open<br>Seller Comment (2025-12-09): This is a [Redacted], you are quoting guidelines for [Redacted]. [Redacted] allows LTV up to [Redacted] % on Bank Statement, Rate/term refi, <[Redacted]l. [Redacted] guidelines are [Redacted]% LTV for this same scenario. Please review using [Redacted] guidelines. thank you<br>Reviewer Comment (2025-12-08): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%.<br>Reviewer Comment (2025-12-08): Per guidelines, for Bank Statement - Investment transactions with a loan amount of $[Redacted], the maximum LTV allowed is [Redacted]%. Exception Remains.<br>Seller Comment (2025-12-05): Please review [Redacted] loan [Redacted] - Rate/Term Refi up to $[Redacted] [Redacted]% LTV with a [Redacted]. Borrower's credit score was [Redacted]. | 12/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35136984 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client exception for vesting in [Redacted]. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more. | DTI of [Redacted] where [Redacted] is maximum<br>Reserves: $[Redacted] where $[Redacted] is required ([Redacted]X) | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-03): Client elected to waive the condition with the following Compensating Factors:<br> DTI of [Redacted] where 50 is maximum<br> Net savings: [Redacted] monthly.<br> Reserves: $[Redacted] where $[Redacted] is required (7X) |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35137156 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007 Rent Comparison not provided. |  |  |  | Reviewer Comment (2025-12-11): While the 1003 and 1008 identified rental income was used to qualify; the seller's rebuttal states the rental income was not used to qualify. The 1007 is not required since the full PITIA was used to qualify.<br>Seller Comment (2025-12-09): This is a Bank Statement loan based on two businesses not related to this property: [Redacted] and [Redacted]. Bank Statement income totals $[Redacted]/mo. Where do you see subject property rents were used for qualifying? Underwriter approval, income calculation and final 1003 do not reflect rental income.<br>Reviewer Comment (2025-12-08): Subject property rent has been used for qualification. A 1007 Rent Comparison Schedule must be included in the file. Exception Remains.<br>Seller Comment (2025-12-05): [Redacted]<br>Seller Comment (2025-12-05): The 1007 rent schedule is not required. This is a bank statement loan and rents were not used for income qualification. We did pull [Redacted] to show rents for the area for Rent Loss Ins on the property. Including [Redacted] | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35137205 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-12-08): Received Right to Receive Copy of Appraisal Disclosure. Exception Cleared.<br>Seller Comment (2025-12-04): Disclosure<br>Seller Comment (2025-12-04): [Redacted] utilize a Unified Business Purpose Disclosure that includes ECOA-right to receive a copy of appraisal. Providing [Redact] Disclosure Tracking Details report confirming this disclosure was emailed to borrower day after application and the disclosure. | 12/08/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | D B C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9860459 | [Redact] | [Redact] | 35137206 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-03): Client elected to waive the condition on the [Redacted] |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9860460 | [Redact] | [Redact] | 34896333 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-05): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 01/05/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9860519 | [Redact] | [Redact] | 34896389 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-18): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/18/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9860519 | [Redact] | [Redact] | 35244203 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/16/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9860507 | [Redact] | [Redact] | 34896424 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860507 | [Redact] | [Redact] | 35312838 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/29/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860518 | [Redact] | [Redact] | 34896545 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860518 | [Redact] | [Redact] | 35057885 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9804069 | [Redact] |  | 34919358 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. |  |  |  | Reviewer Comment (2025-11-26): Received credit report. Exception Cleared.<br>Seller Comment (2025-11-24): Credit report used to qualify the loan uploaded. | 11/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804070 | [Redact] |  | 34956520 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The file is missing the Authorization to obtain consumer and credit reports and release |  |  |  | Reviewer Comment (2025-11-25): Received Authorization to obtain consumer and credit reports and release document. Condition cleared.<br>Seller Comment (2025-11-24): Credit authorization form uploaded | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9803928 | [Redact] |  | 34918460 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | The file was missing a copy of lease agreement for Unit [Redacted]. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | • LTV [Redacted] %<br>• [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-22): Client elected to waive the condition with the following compensating factors:<br> LTV: [Redacted]%<br> Reserves: [Redacted]m<br> DSCR: [Redacted]<br>Reviewer Comment (2025-12-09): Elevated to the client for review. Guidelines state unleased/vacant properties are only acceptable on a purchase transaction and the subject transaction is a cash out refinance.<br>Seller Comment (2025-12-05): We allow [Redacted]% occupancy for refinance, please elevate with buyer, wiith the below compensating factor. High DSCR and more than [Redacted] months of PITIA reserves.<br>Reviewer Comment (2025-11-26): Required lease agreement for Unit [Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-24): Unit 1 is [Redacted] , hence market rent is used for qualification.<br> Unit #1 - Market Rent: $[Redacted]<br> Unit #2 - Market Rent: $[Redacted]; Gross Rent: $[Redacted]<br>Total monthly rent: [Redacted] |  |  | 12/22/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| [Redact] | 9803928 | [Redact] |  | 34918487 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | • LTV [Redacted] %<br>• [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • LTV [Redacted]%<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| [Redact] | 9803931 | [Redact] |  | 34957289 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803932 | [Redact] |  | 34920264 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage is insufficient by $[Redacted]. |  |  |  | Reviewer Comment (2025-11-26): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-25): Please see attached endorsement page that shows coverage was updated from $[Redacted] to $[Redacted] prior to loan closing. | 11/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803932 | [Redact] |  | 34948068 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803933 | [Redact] |  | 34957316 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id 929 to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803934 | [Redact] |  | 34948075 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id[Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803936 | [Redact] |  | 34948077 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted]<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9803939 | [Redact] |  | 34954069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the gross taxes for each property. The file contains what appears to be a combined tax bill, but unable to determine the taxes assigned to each property. |  |  |  | Reviewer Comment (2025-11-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-11-25): Tax certificates uploaded. | 11/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803939 | [Redact] |  | 34954082 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the gross taxes for each property. The file contains what appears to be a combined tax bill, but unable to determine the taxes assigned to each property. |  |  |  | Reviewer Comment (2025-11-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-11-25): Tax certs uplaoded | 11/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803939 | [Redact] |  | 34954086 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the gross taxes for each property. The file contains what appears to be a combined tax bill, but unable to determine the taxes assigned to each property. |  |  |  | Reviewer Comment (2025-11-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-11-25): Tax certs uplaoded | 11/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803939 | [Redact] |  | 34954088 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the gross taxes for each property. The file contains what appears to be a combined tax bill, but unable to determine the taxes assigned to each property. |  |  |  | Reviewer Comment (2025-11-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-11-25): Tax cert uploaded | 11/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803939 | [Redact] |  | 34954105 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the gross taxes for each property. The file contains what appears to be a combined tax bill, but unable to determine the taxes assigned to each property. |  |  |  | Reviewer Comment (2025-11-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-11-25): Tax cert uploaded | 11/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803939 | [Redact] |  | 35020418 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | The file is missing the tax cert or other documentation to verify the gross taxes for each property. The file contains what appears to be a combined tax bill, but unable to determine the taxes assigned to each property. |  |  |  | Reviewer Comment (2025-11-27): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-11-25): Tax cert uploaded | 11/27/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803940 | [Redact] |  | 34951285 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Address: [Redacted] | Tax certificate is missing from file. Note: the taxes for the other [Redacted] properties was verified by the Attorney, however this property was not listed. |  |  |  | Reviewer Comment (2025-12-09): Tax cert provided<br>Seller Comment (2025-12-05): Tax cert uploaded<br>Reviewer Comment (2025-11-25): The appraisal is not acceptable as a tax cert. Condition remains.<br>Seller Comment (2025-11-24): Tax is verified using the appraisal | 12/09/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803946 | [Redact] |  | 35011862 |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | The primary appraisal identified the property as an Attached PUD; however the [Redacted]/Drive-by identified the property as a detached PUD. Provide a revised [Redacted] correcting the property type. |  |  |  | Reviewer Comment (2025-12-15): Revised [Redacted] provided.<br>Seller Comment (2025-12-15): Revised document uplaoded<br>Reviewer Comment (2025-12-03): The condition cannot be cleared. The property types must match. A revised appraisal or [Redacted] is required correcting the property type to match the other valuation. Condition remains<br>Seller Comment (2025-12-01): The appraisals are from different appraisers. ---<br> In most cases, both terms still classify the property as detached. ---<br> It does not required any revision --- <br> X-Det / End unit but = X-Detached. ---<br> Can we please clear this exception? --- | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803947 | [Redact] |  | 34978313 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted]> [Redacted]required | [Redact],Aggregator<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803950 | [Redact] |  | 34936046 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Provide a copy of the appraisal used to obtain the desk review. The effective date of the only appraisal in file did not match the effective date of the desk review. |  |  |  | Reviewer Comment (2025-11-26): Original Primary valuation provided. Exception cleared.<br>Seller Comment (2025-11-24): Uploaded primary and secondary valuation, loan was qualified using the lower of the two | 11/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803950 | [Redact] |  | 35011933 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | The desk review in file has a tolerance > [Redacted]%. An additional higher-level secondary valuation is required. |  |  |  | Reviewer Comment (2025-12-22): Primary appraisal provided and the lower of the two full appraisals was used to calculate the LTV.<br>Reviewer Comment (2025-12-22): A CDA was provided supporting the original appraised value; however the file already contained an [Redacted] (Desk Review) which did not support the original appraised value. These are the same products and in order to clear the condition a higher level secondary valuation is required, i.e. a Field Review or Drive-by Appraisal ([Redacted]). Condition remains open<br>Seller Comment (2025-12-19): Updated CDA uploaded.<br>Reviewer Comment (2025-11-26): Exception is firing due to tolerance between desk review and Appraisal with lower amount ($[Redacted]) used in qualifying. The desk review in file has a tolerance > [Redacted]%. An additional higher-level secondary valuation is required.<br>Seller Comment (2025-11-24): Uploaded primary and secondary valuation, loan was qualified using the lower of the two | 12/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803951 | [Redact] |  | 34968210 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves >[Redacted] months required<br> • DSCR [Redacted] > [Redacted]required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803953 | [Redact] |  | 34930880 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Required additional assets to cover reserve requirement. Note: Closing statements from the refinances of other REO's in file; however the statements were dated after the subject closed/disbursed and these funds cannot be used. |  |  |  | Reviewer Comment (2025-12-05): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-12-04): Uploaded, [Redacted] months consecutive bank statement for account #[Redacted].<br>Reviewer Comment (2025-12-01): As per guideline required [Redacted] months consecutive bank statement for account #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-26): Verified - $[Redacted] ---<br> [Redacted] months PITIA at closing - $[Redacted] ---<br> Bank Statement #[Redacted] - Personal [Redacted] - $[Redacted]---<br> Bank Statement #[Redacted] - [Redacted] - $[Redacted] ---<br> Uploaded - HUD & Bank statements<br>Seller Comment (2025-11-26): Verified - $[Redacted] ---<br> [Redacted]months PITIA at closing - $[Redacted] ---<br> Bank Statement #[Redacted] - Personal [Redacted] - $[Redacted] ---<br> Bank Statement #[Redacted] - [Redacted] - $[Redacted] ---<br> Uploaded - HUD & Bank statements<br>Seller Comment (2025-11-26): Verified - $[Redacted] ---<br> [Redacted] months PITIA at closing - $[Redacted] ---<br> Bank Statement #[Redacted] - Personal[Redacted]<br> Bank Statement #[Redacted] - [Redacted]- $[Redacted] ---<br> Uploaded - HUD & Bank statements | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803953 | [Redact] |  | 34930881 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Required additional assets to cover reserve requirement. Note: Closing statements from the refinances of other REO's in file; however the statements were dated after the subject closed/disbursed and these funds cannot be used. |  |  |  | Reviewer Comment (2025-12-05): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-12-04): Uploaded, [Redacted] months consecutive bank statement for account #[Redacted].<br>Reviewer Comment (2025-12-01): As per guideline required [Redacted] months consecutive bank statement for account #[Redacted]to clear this condition. Exception Remains.<br>Seller Comment (2025-11-26): Verified - $[Redacted] ---<br> [Redacted] months PITIA at closing - $[Redacted]---<br> Bank Statement #[Redacted] - Personal[Redacted] - $[Redacted] ---<br> Bank Statement #[Redacted] - [Redacted] - $[Redacted] ---<br> Uploaded - HUD & Bank statements | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803953 | [Redact] |  | 34930884 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Required additional assets to cover reserve requirement. Note: Closing statements from the refinances of other REO's in file; however the statements were dated after the subject closed/disbursed and these funds cannot be used. |  |  |  | Reviewer Comment (2025-12-05): Received Bank Statement. Exception Cleared.<br>Seller Comment (2025-12-04): Uploaded, [Redacted] months consecutive bank statement for account #[Redacted].<br>Reviewer Comment (2025-12-01): As per guideline required[Redacted] months consecutive bank statement for account #[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-26): Verified - $[Redacted] ---<br> [Redacted] months PITIA at closing - $[Redacted]---<br> Bank Statement #[Redacted] - Personal[Redacted] - $[Redacted] ---<br> Bank Statement #[Redacted] - [Redacted] - $[Redacted] ---<br> Uploaded - HUD & Bank statements | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803953 | [Redact] |  | 34956055 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. | DSCR: [Redacted]<br>Reserves: [Redacted]m | Aggregator<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-12-23): Client elected to waive the condition with the following compensating factors:<br> DSCR: [Redacted]<br> Reserves: [Redacted]<br>Reviewer Comment (2025-12-23): (CSMR-[Redacted]) updated to an EV 2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/23/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803954 | [Redact] |  | 35030144 |  | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $[Redacted]. |  |  |  | Reviewer Comment (2025-12-04): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-12-02): RCE attached | 12/04/2025 |  |  | 1 C A |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803954 | [Redact] |  | 35033987 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisals for all [Redacted] properties were made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | DSCR: [Redacted]<br>Reserves: [Redacted]<br>FICO: [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-23): Client elected to waive the condition with the following compensating factors:<br> DSCR: [Redacted]<br> Reserves: [Redacted]<br> FICO: [Redacted]<br>Reviewer Comment (2025-12-23): ([Redacted]) updated to an EV 2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/23/2025 | 2 C B |  |  | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803955 | [Redact] |  | 34959118 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted]> [Redacted]required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted]required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id[Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803957 | [Redact] |  | 34959144 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted]required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803958 | [Redact] |  | 34934096 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803959 | [Redact] |  | 35011964 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • LTV [Redacted]%<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-09): ([Redacted]) updated all to EV2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803963 | [Redact] |  | 35011971 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted]<br>• DSCR [Redacted] > [Redacted]required | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted]required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803964 | [Redact] |  | 34934367 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803965 | [Redact] |  | 34935059 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803966 | [Redact] |  | 35011993 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-12-04): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-02): Roc has considered conservative tax amount and Taxes are based on average of comps as its new construction.<br> (Document uploaded for $[Redacted]) | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803968 | [Redact] |  | 34948298 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | Reviewer Comment (2025-11-25): Received purchase contract. Exception Cleared.<br>Seller Comment (2025-11-24): Purchase contract uploaded | 11/25/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9803969 | [Redact] |  | 34968277 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Per the guidelines, 2 months statements are required. The file only contained 1 month with an end date of [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-05): [Redacted] month statement uploaded. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9803970 | [Redact] |  | 35012025 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9803971 | [Redact] |  | 34992912 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803972 | [Redact] |  | 34956676 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-03): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-12-02): RCE attached | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9803972 | [Redact] |  | 35017511 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file is missing two months statements for the account used for the funds to close and reserves. The VOD in file does not identify the prior [Redacted] day balance and only provide the current balance as of [Redacted]. |  |  |  | Reviewer Comment (2025-12-17): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-16): Uploaded, [Redacted] month bank statement.<br>Reviewer Comment (2025-12-15): As per guideline 2 months consecutive bank statement required however provided bank statement is after note date. Required month of [Redacted] statement to clear this condition. Exception Remains.<br>Seller Comment (2025-12-11): Note date: [Redacted] ---<br> So, [Redacted] and [Redacted] month bank statements are fine to validate liquidity requirement. ---<br> [Redacted] month statements beginning balance is as of - [Redacted] which is before Note date ([Redacted]) ---<br> Uploaded, [Redacted] month bank statements ([Redacted] ending with [Redacted] &[Redacted]) ---<br>Reviewer Comment (2025-12-09): Provided bank statement is after note date. Required month of [Redacted] statement to clear this condition. Exception Remains.<br>Seller Comment (2025-12-08): Bank statements uploaded | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9803973 | [Redact] |  | 35012030 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted] Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803974 | [Redact] |  | 34954257 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR: [Redacted] | Aggregator | Reviewer Comment (2025-12-23): Client elected to waive the condition with the following compensating factors:<br> DSCR: [Redacted]<br>Reviewer Comment (2025-12-23): ([Redacted]) updated to an EV 2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/23/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| [Redact] | 9803974 | [Redact] |  | 34954352 |  | 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 commitment title report in file disclosed $[Redacted] of title insurance Coverage; however, this is less than the loan amount of [Redacted]. |  |  |  |  |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| [Redact] | 9803974 | [Redact] |  | 34954400 |  | Property | Credit | General | Credit | The property type differs between the valuation documents in file. Unable to verify the property type. Ineligible per guidelines. |  | Appraisal indicates subject is a [Redacted] Family but Secondary Appraisal indicates subject is a [Redacted] Family. |  |  |  | Reviewer Comment (2025-12-15): Revised appraisal provided<br>Seller Comment (2025-12-15): Revised appraisal uploaded. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| [Redact] | 9803974 | [Redact] |  | 34954587 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by [Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide a copy of the insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-26): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-25): Please see RCE attached | 11/26/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B |  | N/A | No |
| [Redact] | 9803976 | [Redact] |  | 34953794 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Policy coverage shortfall of $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-11): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-12-10): Correct RCE uploaded<br>Reviewer Comment (2025-12-04): Provided RCE is for different property. Required RCE for subject property #[Redacted] . Exception Remains.<br>Seller Comment (2025-12-02): RCE Estimator attached | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803976 | [Redact] |  | 35020606 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. | DSCR: [Redacted]<br>Reserves: [Redacted] | Aggregator<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-12-23): Client elected to waive the condition with the following compensating factors:<br> DSCR: [Redacted] <br> Reserves: [Redacted]<br>Reviewer Comment (2025-12-23): ([Redacted]) updated to an EV 2/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/23/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803977 | [Redact] |  | 34934394 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803978 | [Redact] |  | 35020679 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-12-02): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-01): Reserve verified ($[Redacted]) ---<br> [Redacted] months collected at closing ($[Redacted]) ---<br> From Bank statements ($[Redacted]) ---<br> Uploaded HUD to see [Redacted] months PITIA collected at closing and [Redacted] different Bank statement with Entity document to verify ownership --- | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9803978 | [Redact] |  | 35020689 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  |  |  |  |  | Reviewer Comment (2025-12-02): Received bank statement. Exception Cleared.<br>Seller Comment (2025-12-01): Reserve verified ($[Redacted]) ---<br> [Redacted] months collected at closing ($[Redacted]) ---<br> From Bank statements ($[Redacted]) ---<br> Uploaded HUD to see [Redacted] months PITIA collected at closing and [Redacted] different Bank statement with Entity document to verify ownership --- | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9803981 | [Redact] |  | 35017579 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted]<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803982 | [Redact] |  | 34928928 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The file was missing a copy of the Flood Insurance Policy. |  |  |  | Reviewer Comment (2025-11-24): Received flood insurance. Exception Cleared.<br>Seller Comment (2025-11-20): Flood Insurance EOI attached | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9803984 | [Redact] |  | 34995099 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum. | • DSCR [Redacted] > [Redacted] required | Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • DSCR[Redacted] > [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803986 | [Redact] |  | 35017718 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted]<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803989 | [Redact] |  | 34989363 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted]months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803990 | [Redact] |  | 34954730 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • [Redacted] months reserves > [Redacted] months required<br>• DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted] | [Redact],Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803991 | [Redact] |  | 34996100 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted] | Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > 6 months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9803993 | [Redact] |  | 35034243 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803994 | [Redact] |  | 34935093 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  | Appraisal was missing in the file. |  |  |  | Reviewer Comment (2025-11-25): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-24): Appraisal uploaded | 11/25/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9803994 | [Redact] |  | 34935109 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal document was missing in the file. |  |  |  | Reviewer Comment (2025-11-25): Received Appraisal (1004). Exception Cleared.<br>Seller Comment (2025-11-24): Appraisal uploaded | 11/25/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| [Redact] | 9803995 | [Redact] |  | 35017996 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted] | Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9803997 | [Redact] |  | 34954850 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804001 | [Redact] |  | 35034334 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-12-02): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-01): Conservative tax amount used for Underwriting using comparable.<br> Document uploaded. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804001 | [Redact] |  | 35034336 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing proof of the HOI premium for the property. The declarations page does not identify the premium and the invoice in file is for a different property. |  |  |  | Reviewer Comment (2025-12-02): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-12-02): Paid Receipt Confirmation with Premium amount listed<br>Seller Comment (2025-12-02): EOI | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804002 | [Redact] |  | 35034302 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • DSCR [Redacted]> [Redacted]required<br>• [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted] | Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804002 | [Redact] |  | 35034316 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-12-03): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-02): We have considered Appraisal for tax amount ---<br> Uploaded, Appraisal. | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804002 | [Redact] |  | 35034337 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file is missing proof of the HOI premium for the property. The declarations page does not identify the premium and the invoice in file is for a different property. |  |  |  | Reviewer Comment (2025-12-03): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-02): Paid Receipt with Updated property address<br>Seller Comment (2025-12-02): EOI | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804003 | [Redact] |  | 35034699 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted]> [Redacted]required<br>• [Redacted] months reserves > [Redacted] months required. | Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804004 | [Redact] |  | 34954984 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-11): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-12-10): Please see attached letter from carrier. They cannot do[Redacted] because they system does not allow decimal value. Property is insured to full RCE cost.<br>Reviewer Comment (2025-12-04): The GSE method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [Redacted]% of the appraised value is the insured value and coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Exception Remains.<br>Seller Comment (2025-12-02): RCE summary attached | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804006 | [Redact] |  | 35017399 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • DSCR [Redacted]> [Redacted]required<br>• [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted] | Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves >[Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804010 | [Redact] |  | 35016908 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required | Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9804012 | [Redact] |  | 34977986 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted] > [Redacted]required<br>• [Redacted] months reserves > [Redacted] months required | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804013 | [Redact] |  | 34972430 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted] > [Redacted]required<br>• [Redacted] months reserves > [Redacted] months required | [Redact],Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804017 | [Redact] |  | 35042100 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Miscellaneous | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required | [Redact],Aggregator<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9804020 | [Redact] |  | 34972297 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/21/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9804021 | [Redact] |  | 35042514 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted] | Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804027 | [Redact] |  | 35094009 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The drive - by/exterior only review appraisal was made "subject to" repairs /inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required | Aggregator<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| [Redact] | 9804028 | [Redact] |  | 35128573 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Upon further review, the drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | • DSCR [Redacted] > [Redacted] required<br>• FICO [Redacted]<br>• [Redacted] months reserves > [Redacted] months required. | Aggregator<br>Aggregator,[Redact]<br>Aggregator | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A B |  | N/A | No |
| [Redact] | 9804031 | [Redact] |  | 35029489 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal was made subject to and 442 is not in images. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required | Aggregator<br>Aggregator,[Redact]<br>[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted]> [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted]to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9804032 | [Redact] |  | 35108589 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-12-18): Received Official check. Exception Cleared.<br>Seller Comment (2025-12-17): Proof of EMD uplaoded<br>Reviewer Comment (2025-12-16): The taxes and insurance collected on the settlement statement are not considered in the assets available for reserves, as they were collected to establish the escrow account, only the P&I collected at closing. Proof of the $[Redacted] EMD will clear the condition. Condition remains<br>Seller Comment (2025-12-15): As per guideline for purchase we only need [Redacted] months PITIA that we have collected at closing ($[Redacted]) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted] (HUD - PG#1) ---<br> Uploaded, HUD ---<br>Reviewer Comment (2025-12-09): As per guideline required reserves [Redacted] months of PITI. Required total assets $[Redacted] for closing however total available for closing $[Redacted]. Required additional assets/ bank statements or source documents for EMD to clear this condition. Exception Remains.<br>Seller Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA is - $[Redacted] ---<br> Borrower cash to close is - $[Redacted] ---<br> Total asset to be verified is - $[Redacted]---<br> \|<br> Verified assets is= $[Redacted] = $[Redacted] + $[Redacted]---<br> \|<br> Below the break up for - $[Redacted]<br> \|<br> Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted](HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted](HUD - PG#1) ---<br> Uploaded, HUD ---<br> \|<br> Please consider $[Redacted] VS $[Redacted] (for the remaining 3 months of PITIA ($[Redacted]) and Cash to borrower ($[Redacted]) ---<br> Uploaded - [Redacted] - Bank statements - Account# ending with [Redacted] ---<br>Seller Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA is - $[Redacted] ---<br> Borrower cash to close is - $[Redacted] ---<br> Total asset to be verified is - $[Redacted] ---<br> \|<br> Verified assets is= $[Redacted] = $[Redacted] + $[Redacted]---<br> \|<br> Below the break up for - $[Redacted]<br> \|<br> Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted](HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted](HUD - PG#1) ---<br> Uploaded, HUD ---<br> \|<br> Please consider $[Redacted] VS $[Redacted] (for the remaining 3 months of PITIA ($[Redacted]) and Cash to borrower ($[Redacted]) ---<br> Uploaded - [Redacted] - Bank statements - Account# ending with [Redacted] ---<br>Reviewer Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA. Required additional bank statement to clear this condition. Exception Remains.<br>Seller Comment (2025-12-04): Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#[Redacted]) ---<br> [Redacted] months tax amount - $[Redacted] (HUD - PG#[Redacted]) ---<br> [Redacted] months insurance amount - $[Redacted] (HUD - PG#[Redacted]) ---<br> Uploaded, HUD ---<br>Reviewer Comment (2025-12-02): Provided bank statement already present in file. Required additional bank statement to clear this condition. Exception Remains.<br>Seller Comment (2025-11-28): Reserve verified ($[Redacted]) ---<br> [Redacted] months collected at closing ($[Redacted]) ---<br> From Bank statements ($[Redacted]) ---<br> Uploaded HUD & Bank statement | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804032 | [Redact] |  | 35108598 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  |  |  |  |  | Reviewer Comment (2025-12-18): Received Official check. Exception Cleared.<br>Seller Comment (2025-12-17): Proof of EMD uplaoded<br>Reviewer Comment (2025-12-16): The taxes and insurance collected on the settlement statement are not considered in the assets available for reserves, as they were collected to establish the escrow account, only the P&I collected at closing. Proof of the $[Redacted] EMD will clear the condition. Condition remains<br>Seller Comment (2025-12-15): As per guideline for purchase we only need [Redacted] months PITIA that we have collected at closing ($[Redacted]) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted] (HUD - PG#1) ---<br> Uploaded, HUD ---<br>Reviewer Comment (2025-12-09): As per guideline required reserves [Redacted] months of PITI. Required total assets $[Redacted] for closing however total available for closing $[Redacted]. Required additional assets/ bank statements or source documents for EMD to clear this condition. Exception Remains.<br>Seller Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA is - $[Redacted] ---<br> Borrower cash to close is - $[Redacted] ---<br> Total asset to be verified is - $[Redacted]---<br> \|<br> Verified assets is= $[Redacted] = $[Redacted] + $[Redacted]---<br> \|<br> Below the break up for - $[Redacted]<br> \|<br> Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted](HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted](HUD - PG#1) ---<br> Uploaded, HUD ---<br> \|<br> Please consider $[Redacted] VS $[Redacted] (for the remaining 3 months of PITIA ($[Redacted]) and Cash to borrower ($[Redacted]) ---<br> Uploaded - [Redacted] - Bank statements - Account# ending with [Redacted] ---<br>Reviewer Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA. Required additional bank statement to clear this condition. Exception Remains.<br>Seller Comment (2025-12-04): Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#[Redacted]) ---<br> [Redacted] months tax amount - $[Redacted] (HUD - PG#[Redacted]) ---<br> [Redacted] months insurance amount - $[Redacted] (HUD - PG#[Redacted]) ---<br> Uploaded, HUD ---<br>Reviewer Comment (2025-12-02): Provided bank statement already present in file. Required additional bank statement to clear this condition. Exception Remains.<br>Seller Comment (2025-11-28): Reserve verified ($[Redacted]) ---<br> [Redacted] months collected at closing ($[Redacted]) ---<br> From Bank statements ($[Redacted]) ---<br> Uploaded HUD & Bank statement | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804032 | [Redact] |  | 35108718 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Please provide the deposit receipt and source of funds for the EMD in the amount of $[Redacted] to clear this exception. |  |  |  | Reviewer Comment (2025-12-18): Received Official check. Exception Cleared.<br>Seller Comment (2025-12-17): Proof of EMD uploaded<br>Reviewer Comment (2025-12-16): The taxes and insurance collected on the settlement statement are not considered in the assets available for reserves, as they were collected to establish the escrow account, only the P&I collected at closing. Proof of the $[Redacted] EMD will clear the condition. Condition remains<br>Seller Comment (2025-12-15): As per guideline for purchase we only need [Redacted] months PITIA that we have collected at closing ($[Redacted]) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted] (HUD - PG#1) ---<br> Uploaded, HUD ---<br>Reviewer Comment (2025-12-09): As per guideline required reserves [Redacted] months of PITI. Required total assets $[Redacted] for closing however total available for closing $[Redacted]. Required additional assets/ bank statements or source documents for EMD to clear this condition. Exception Remains.<br>Seller Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA is - $[Redacted] ---<br> Borrower cash to close is - $[Redacted] ---<br> Total asset to be verified is - $[Redacted]---<br> \|<br> Verified assets is= $[Redacted] = $[Redacted] + $[Redacted]---<br> \|<br> Below the break up for - $[Redacted]<br> \|<br> Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#1) ---<br> [Redacted] months tax amount - $[Redacted](HUD - PG#1) ---<br> [Redacted] months insurance amount - $[Redacted](HUD - PG#1) ---<br> Uploaded, HUD ---<br> \|<br> Please consider $[Redacted] VS $[Redacted] (for the remaining 3 months of PITIA ($[Redacted]) and Cash to borrower ($[Redacted]) ---<br> Uploaded - [Redacted] - Bank statements - Account# ending with [Redacted] ---<br>Reviewer Comment (2025-12-05): As per guideline required reserves [Redacted] months of PITIA. Required additional bank statement to clear this condition. Exception Remains.<br>Seller Comment (2025-12-04): Please consider [Redacted] months PITIA reserve ($[Redacted]), collected at closing (Please see HUD) ---<br> [Redacted] months - P&I - $[Redacted] (HUD - PG#[Redacted]) ---<br> [Redacted] months tax amount - $[Redacted] (HUD - PG#[Redacted]) ---<br> [Redacted] months insurance amount - $[Redacted] (HUD - PG#[Redacted]) ---<br> Uploaded, HUD ---<br>Reviewer Comment (2025-12-02): Provided bank statement already present in file. Required deposit receipt and source of funds for the EMD in the amount of $[Redacted] to clear this condition. Exception Remains.<br>Seller Comment (2025-11-28): Reserve verified ($[Redacted]) ---<br> [Redacted] months collected at closing ($[Redacted]) ---<br> From Bank statements ($[Redacted]) ---<br> Uploaded HUD & Bank statement | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804034 | [Redact] |  | 34988358 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final missing in file. |  |  |  | Reviewer Comment (2025-12-02): Received borrower authorization. Exception Cleared.<br>Seller Comment (2025-12-01): Uploaded, Document. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804035 | [Redact] |  | 34986563 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report missing in file. |  |  |  | Reviewer Comment (2025-12-02): Fraud not required. Exception Cleared.<br>Seller Comment (2025-12-01): Hi Team,<br> Are we missing Background report or Credit report? Please advise. Thank you. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804035 | [Redact] |  | 34986576 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deal Summary not provided |  |  |  |  |  | Reviewer Comment (2025-12-08): Deal Summary not required. Exception Cleared.<br>Seller Comment (2025-12-05): Uploaded. | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804045 | [Redact] |  | 35128620 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Upon further review, the drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | • DSCR [Redacted] > [Redacted] required<br>• [Redacted] months reserves > [Redacted] months required<br>• FICO [Redacted] | Aggregator<br>Aggregator,[Redact]<br>Aggregator,[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [Redact] | 9804047 | [Redact] |  | 35093655 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Impounds for flood insurance were not collected on the Final Settlement Statement as required by guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: [Redacted]<br>LTV: [Redacted]%<br>FICO: [Redacted]<br>DSCR: [Redacted] | [Redact],Aggregator<br>[Redact]<br>Aggregator,[Redact]<br>Aggregator,[Redact]<br>Aggregator | Reviewer Comment (2025-12-22): Client elected to waive the condition with the following compensating factors:<br> Reserves: [Redacted]<br> DSCR: [Redacted]<br> FICO:[Redacted]<br> LTV: [Redacted]%<br>Reviewer Comment (2025-12-08): Elevated to the client for review. Guidelines identify an escrow account is required to be established for all Taxes and Insurance. Final Closing Statement only collected reserves for the HOI and not the Flood Insurance.<br>Seller Comment (2025-12-05): This is not an exceptions as per guideline, Insurance escrow amount will be taken care by Servicing team.<br> Please elevate this to the client review. |  |  | 12/22/2025 | 2 C B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9804049 | [Redact] |  | 35055793 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-08): Received RCE. Exception Cleared.<br>Seller Comment (2025-12-08): RCE attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804050 | [Redact] |  | 35042577 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | The file is missing the tax cert or other documentation to verify the taxes used to qualify. The lender qualified with taxes higher than the tax cert in file verified. |  |  |  | Reviewer Comment (2025-12-16): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-15): Tax amount considered based on Comparables.<br> Document uploaded.<br>Reviewer Comment (2025-12-12): Underwriter used total taxes $[Redacted] for qualification however provided tax certificate verified only $[Redacted]. Required supporting document to verify remaining taxes. Exception Remains.<br>Seller Comment (2025-12-11): Tax amount considered based on Comparables.<br> Document uploaded. | 12/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804052 | [Redact] |  | 35055880 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum per state |  |  |  | Reviewer Comment (2025-12-01): [Redacted] in [Redacted] |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9804053 | [Redact] |  | 35064555 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-12-02): Received tax certificate. Exception Cleared.<br>Seller Comment (2025-12-01): Conservative tax amount used for Underwriting using comparable.<br> Document uploaded. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804055 | [Redact] |  | 34985750 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-08): Received RCE. Exception Cleared.<br>Seller Comment (2025-12-08): RCE attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9804061 | [Redact] |  | 35040961 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-12-01): Received business entity. Exception Cleared.<br>Seller Comment (2025-11-28): Uploaded, Certificate of good standing with Entity status Active. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804062 | [Redact] |  | 35110799 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-08): Received RCE. Exception Cleared.<br>Seller Comment (2025-12-08): RCE attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804063 | [Redact] |  | 35128676 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Upon further review, the drive-by/exterior only review appraisal was made "Subject to" repairs/inspection and a copy of the 442/Completion Cert was missing from the file. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | • DSCR [Redacted] > [Redacted] required | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-10): Client elected to waive the condition with the following compensating factors:<br> • [Redacted] months reserves > [Redacted] months required<br> • DSCR [Redacted] > [Redacted] required<br> • FICO [Redacted]<br>Reviewer Comment (2025-12-09): ([Redacted]) Re-grade Missing 442 exception id [Redacted] to EV/B<br>Reviewer Comment (2025-12-01): Elevated to the client for review |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| [Redact] | 9804064 | [Redact] |  | 35093807 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate was not provided to verify the lender's PITIA. |  |  |  | Reviewer Comment (2025-12-04): Received Tax Certificate. Exception Cleared.<br>Seller Comment (2025-12-03): We have considered conservative tax amount using comparable.<br> Document uploaded. | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804065 | [Redact] |  | 34988102 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Closing Protection Letter missing in file. |  |  |  | Reviewer Comment (2025-12-01): CPL not required. Exception Cleared.<br>Seller Comment (2025-11-28): No Closing Protection Letter for [Redacted] state loans | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804065 | [Redact] |  | 34988113 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter missing in file. |  |  |  | Reviewer Comment (2025-12-01): CPL not required. Exception Cleared.<br>Seller Comment (2025-11-28): No Closing Protection Letter for [Redacted] state loans | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804065 | [Redact] |  | 34988117 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement missing in file. |  |  |  | Reviewer Comment (2025-12-01): Received operating agreement. Exception Cleared.<br>Seller Comment (2025-11-28): Uploaded By-laws in lieu of Operating agreement. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804065 | [Redact] |  | 34988139 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $[Redacted]; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | Reviewer Comment (2025-12-08): Received updated HOI. Exception Cleared.<br>Seller Comment (2025-12-08): Binder attached | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9804066 | [Redact] |  | 35109436 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the credit release containing the following verbiage "authorization to obtain consumer and credit report release". |  |  |  | Reviewer Comment (2025-12-03): Credit release provided<br>Seller Comment (2025-12-01): Uploaded, document. | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9860573 | [Redact] | [Redact] | 34908548 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9860576 | [Redact] | [Redact] | 34908557 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9860961 | [Redact] | [Redact] | 34913958 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian<br>Seller Comment (2025-12-11): (Rate Lock)[Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860961 | [Redact] | [Redact] | 35152551 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 34914065 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149390 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149528 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149529 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149530 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149531 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149532 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of [Redacted]% of the amount past due or grace period of less than [Redacted] days. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149533 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149534 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149535 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-08): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/08/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149538 |  | Compliance | Compliance | State Compliance | State HPML | [Redact] Dodd Frank HPML Threshold 2013 Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide. | 12/09/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149539 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) [Redact] High-Cost (Impermissible Financing of Points and Fees) | [Redacted] High-Cost Loan: Impermissible financing of points and fees on high-cost mortgage loan. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redact] High Rate, High Fee Mortgage Loan threshold exception. C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149540 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redact] High-Cost Loan (HOEPA Threshold Tests) | [Redacted] (Regulation [Redacted]): Mortgage loan is HOEPA high-cost due to failing applicable APR, Points & Fees and/or Prepayment Penalty threshold tests. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149541 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] HRHF 2014 Points and Fees Threshold Testing | [Redacted] Truth in Lending Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Total Loan Amount. Points and Fees total $[Redacted] on a Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149542 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] HRHF Counseling Test | [Redacted] High Rate, High Fee Loan: No evidence borrower received home-ownership counseling. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | See any available cure under the [Redact] High Rate, High Fee Mortgage Loan threshold exception. C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149543 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] HRHF Federal Points and Fees Threshold Test 2014 | [Redacted] Truth in Lending Act: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or[Redacted]%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9860975 | [Redact] | [Redact] | 35149544 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | [Redact] HRHF HOEPA Compliance Test | [Redacted] (Regulation [Redacted]): HOEPA loan not compliant. Refer to HOEPA failure stipulations for specific details. |  |  |  |  | Reviewer Comment (2025-12-09): Proof of the undiscounted rate and price provided, verifying a portion of the discount points were bona fide.<br>Seller Comment (2025-12-09): See attached Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within [Redacted]% higher than APOR which allows for [Redacted]% bonafide discount to be applied. The Undiscounted Interest Rate Price is $[Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9861256 | [Redact] | [Redact] | 34914499 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-22): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9861310 | [Redact] | [Redact] | 34915710 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9861310 | [Redact] | [Redact] | 35182065 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/09/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9861425 | [Redact] | [Redact] | 34916494 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-22): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9861427 | [Redact] | [Redact] | 34916502 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9861427 | [Redact] | [Redact] | 35299506 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  | 12/23/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9861428 | [Redact] | [Redact] | 34916515 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9861428 | [Redact] | [Redact] | 35173009 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/08/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9861659 | [Redact] | [Redact] | 34916783 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-03): Waived on Rate Lock: Collateral cleared by Custodian | 12/03/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9861659 | [Redact] | [Redact] | 35070669 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-01): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9861659 | [Redact] | [Redact] | 35070783 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Statement to verify monthly payment or if Home Improvement Loan was paid off prior to closing |  |  |  | Reviewer Comment (2025-12-03): Mortgage PITI amount verify through credit report. Exception Cleared.<br>Seller Comment (2025-12-02): (Rate Lock) 1008 and reo docs | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9861659 | [Redact] | [Redact] | 35130962 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-12-03): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-12-02): (Rate Lock) 1008 and reo docs | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10065123 | [Redact] | [Redact] | 34916875 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-08): Traacking # [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10065123 | [Redact] | [Redact] | 35128444 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance and HOA verification not provided. |  |  |  | Reviewer Comment (2025-12-15): Received HOA. Exception Cleared.<br>Seller Comment (2025-12-11): The original HOA submission had the header cut off for [Redacted] HOA Maintenance Fee schedule. Providing the entire page to clear.<br>Reviewer Comment (2025-12-08): Received hazard insurance policy. Required HOA certificate to verify remaining expenses $[Redacted]. Exception Remains.<br>Seller Comment (2025-12-05): HOI<br>Seller Comment (2025-12-05): Providing Homeowners and HOA for [Redacted] | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10065123 | [Redact] | [Redact] | 35128497 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of [Redacted] used as disbursement date for compliance testing. | The file is missing the final Settlement Statement that includes the disbursement date. The file contained an Estimated Settlement Statement that did not identify the disbursement date. |  |  |  | Reviewer Comment (2025-12-08): Final closing statement provided<br>Seller Comment (2025-12-05): Final HUDs with Disbursement date, stamped and signed.<br>Reviewer Comment (2025-12-05): The lender's funding overview is not acceptable. The disbursement date is required to be disclosed on the HUD or Final Settlement Statement. Condition remains<br>Seller Comment (2025-12-04): Disbursement date confirmation<br>Seller Comment (2025-12-04): Providing final HUD and [Redact] Funding Overview Screen shot confirming disbursement date. | 12/08/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 10065123 | [Redact] | [Redact] | 35137431 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-12-05): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-04): Apologies submitted wrong borrower, here is the correct docs for [Redacted],<br>Seller Comment (2025-12-04): Disclosure<br>Seller Comment (2025-12-04): [Redacted] utilize a Unified Business Purpose Disclosure that includes ECOA - right to receive a copy of appraisal. Providing [Redact] Disclosure Tracking details report confirming this disclosure was emailed to the borrower day after application and including a copy of the disclosure emailed to borrower. | 12/05/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9861660 | [Redact] | [Redact] | 34916877 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9861660 | [Redact] | [Redact] | 35168565 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of HOA. |  |  |  | Reviewer Comment (2025-12-17): Received HOA certificate. Exception Cleared.<br>Seller Comment (2025-12-16): [Redacted] trail<br>Seller Comment (2025-12-16): [Redacted] | 12/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9861660 | [Redact] | [Redact] | 35168569 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing verification of Taxes, Insurance and HOA. |  |  |  | Reviewer Comment (2025-12-29): Received Taxes, Insurance and HOA. Exception Cleared.<br>Seller Comment (2025-12-26): HOA<br>Seller Comment (2025-12-26): [Redacted] [Redacted] | 12/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9862195 | [Redact] | [Redact] | 34927530 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9862198 | [Redact] | [Redact] | 34928156 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-05): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): (Rate Lock) [Redacted] | 01/05/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9862200 | [Redact] | [Redact] | 34928352 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-26): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9862200 | [Redact] | [Redact] | 35297595 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 12/23/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9896462 | [Redact] | [Redact] | 34936401 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9896462 | [Redact] | [Redact] | 35168217 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-09): [Redacted] Received Valid COC dated [Redacted]3 along with CD.<br>Seller Comment (2025-12-08): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9896462 | [Redact] | [Redact] | 35168218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-12-08): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9896462 | [Redact] | [Redact] | 35168220 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-12-08): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9896462 | [Redact] | [Redact] | 35168748 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| [Redact] | 9896462 | [Redact] | [Redact] | 35180963 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9896462 | [Redact] | [Redact] | 35180964 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9896457 | [Redact] | [Redact] | 34936515 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896457 | [Redact] | [Redact] | 35008485 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required Transcript (1040) or W-2 Transcript. |  |  |  | Reviewer Comment (2025-12-04): Received tax return transcript. Exception Cleared.<br>Seller Comment (2025-12-03): Transcripts | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896457 | [Redact] | [Redact] | 35008486 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | Missing required Transcript (1040) or W-2 Transcript. |  |  |  | Reviewer Comment (2025-12-04): Received tax return transcript. Exception Cleared.<br>Seller Comment (2025-12-03): Transcripts | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896457 | [Redact] | [Redact] | 35011831 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Flood Insurance Policy not provided. |  |  |  | Reviewer Comment (2025-12-01): Received Flood Insurance Policy. Exception Cleared.<br>Seller Comment (2025-11-26): Flood Policy | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896604 | [Redact] | [Redact] | 34938217 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-26): collateral delivered [Redacted] via [Redacted]tracking [Redacted] | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9896604 | [Redact] | [Redact] | 35295851 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver |  |  |  |  |  |  | 12/23/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9896605 | [Redact] | [Redact] | 34938288 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-26): (Rate Lock) [Redacted] | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9896605 | [Redact] | [Redact] | 35286840 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/22/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9896605 | [Redact] | [Redact] | 35289955 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The state is [Redacted] on the policy, please update it to [Redacted]. |  |  |  | Reviewer Comment (2026-01-01): Received HOI. Exception Cleared.<br>Seller Comment (2025-12-31): Attached Updated HOI with corrected State. Please Clear. | 01/01/2026 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 9896621 | [Redact] | [Redact] | 34938774 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9896621 | [Redact] | [Redact] | 35152645 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9896648 | [Redact] | [Redact] | 34939088 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-11-27): Waived on Rate Lock: Collateral cleared by [Redacted] | 11/27/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9896648 | [Redact] | [Redact] | 35069447 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the additional expenses for this REO per the final 1003 the expenses is $[Redacted] monthly, however only $[Redacted] in expenses was provided. If there is no additional expenses provide a corrected 1003. |  |  |  | Reviewer Comment (2025-12-11): Tax document received.<br>Seller Comment (2025-12-10): (Rate Lock) See attached UW LOX and county tax docs - thanks | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9896648 | [Redact] | [Redact] | 35069452 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-11): [Redacted] received earliest receipt of LE.<br>Seller Comment (2025-12-10): (Rate Lock) Borrower signed revised LE [Redacted]-thanks<br>Seller Comment (2025-12-10): (Rate Lock) Borrower rec'd and signed revised LE [Redacted] - thanks | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9896652 | [Redact] | [Redact] | 34939270 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-22): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9897044 | [Redact] | [Redact] | 34939668 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9897044 | [Redact] | [Redact] | 35152990 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three ([Redacted]) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859818 | [Redact] |  | 34960716 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-11-14): Initial and Final Grade B, accepted |  |  | 11/14/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | ATR Risk | Yes |
| [Redact] | 9859818 | [Redact] |  | 34960717 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Buyer Comment (2025-11-17): Asset utilization loan<br>Reviewer Comment (2025-11-14): Regraded to EV2-B due to asset qualifier loan. |  |  | 11/17/2025 | 2 B C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | ATR Risk | Yes |
| [Redact] | 9859818 | [Redact] |  | 34960718 |  | Compliance | Compliance | Federal Compliance | ATR/QM | General Ability To Repay Provision Asset Qualification Loan | Ability to Repay (Dodd-Frank 2014): It is questionable whether this loan meets ATR requirements. |  |  |  |  | Buyer Comment (2025-11-14): Asset utilization loan |  |  | 11/14/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| [Redact] | 9859791 | [Redact] |  | 34960420 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9859791 | [Redact] |  | 34960421 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 9859802 | [Redact] |  | 34961667 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 11/12/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9859802 | [Redact] |  | 34961694 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting and Transmittal Summary (1008) not provided |  |  |  | Reviewer Comment (2025-11-17): Received 1008. Exception Cleared.<br>Seller Comment (2025-11-14): 1008 | 11/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9859802 | [Redact] |  | 34961722 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  | Buyer Comment (2025-11-14): Initial and Final Grade B, accepted. |  |  | 11/14/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9859802 | [Redact] |  | 34961724 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9859800 | [Redact] |  | 34993994 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Lender Exception provided in loan file for loan amount less than the guideline minimum of $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | [Redacted] months reserves<br>DSCR [Redacted] | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>Aggregator | Reviewer Comment (2025-11-18): Client elected to waive the condition with the following Comp Factors: [Redacted] months reserves, [Redacted]% LTV, DSCR [Redacted] |  |  | 11/18/2025 | 2 C B |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9859800 | [Redact] |  | 34993997 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-11-18): Earlier disclosure provided<br>Seller Comment (2025-11-18): appraisal disclosure | 11/18/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9859800 | [Redact] |  | 34994002 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The EIN and Certificate of Good Standing for [Redacted] not provided. |  |  |  | Reviewer Comment (2025-11-25): EIN and Certificate of Good Standing not required. Exception Cleared.<br>Seller Comment (2025-11-24): We do not require EIN for any other LLC besides one we vest in. There is no reason to have the EIN # for an entity we are not closing in and not required per guideline.<br>Reviewer Comment (2025-11-21): Required Employer Identification Number (EIN) for [Redact] to verify EIN number. Exception Remains.<br>Seller Comment (2025-11-19): we only need the Operating Agreement for the members of the vesting entity | 11/25/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| [Redact] | 9859816 | [Redact] |  | 34989705 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-11-17): Initial and Final Grade B, accepted. |  |  | 11/17/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859781 | [Redact] |  | 34988014 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 11/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859781 | [Redact] |  | 34988015 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Right to Receive Appraisal disclosure signed within three days of application date is missing. |  |  |  | Reviewer Comment (2025-11-18): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-11-17): appraisal document | 11/18/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859798 | [Redact] |  | 34990719 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-11-18): Initial and Final Grade B, accepted<br>Reviewer Comment (2025-11-18): Provided document already present in file. Required Right to Receive a Copy appraisal disclosure to applicant within three (3) business days of application to clear this condition. Exception Remains.<br>Seller Comment (2025-11-17): appraisal disclosure |  |  | 11/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859787 | [Redact] |  | 34991734 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-11-21): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-19): RCE attached | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9859806 | [Redact] |  | 34990897 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-11-18): Received project approval. Exception Cleared.<br>Seller Comment (2025-11-17): complete condo form | 11/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9859806 | [Redact] |  | 34990948 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> Remove/Clear Exceptions |  |  |  | Buyer Comment (2025-11-18): Initial and Final Grade B, accepted<br>Reviewer Comment (2025-11-18): Required Right to Receive a Copy appraisal disclosure to applicant within three (3) business days of application to clear this condition. Exception Remains.<br>Seller Comment (2025-11-17): appraisal document |  |  | 11/18/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9859826 | [Redact] |  | 34993929 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> Remove/Clear Exceptions |  |  |  | Reviewer Comment (2025-11-20): Received right to receive appraisal. Exception Cleared.<br>Seller Comment (2025-11-18): appraisal document | 11/20/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9859811 | [Redact] |  | 34987606 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Verification of appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-11-18): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-11-17): appraisal disclosure | 11/18/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9859812 | [Redact] |  | 34993923 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-11-20): Received right to receive appraisal. Exception Cleared.<br>Seller Comment (2025-11-18): appraisal document | 11/20/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9859814 | [Redact] |  | 34991225 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-11-18): Received right to receive copy. Exception Cleared.<br>Seller Comment (2025-11-17): appraisal disclosure | 11/18/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859822 | [Redact] |  | 34993944 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-11-20): Received right to receive appraisal. Exception Cleared.<br>Seller Comment (2025-11-18): appraisal disclosure | 11/20/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9859793 | [Redact] |  | 34994052 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-11-19): Received right to receive appraisal. Exception Cleared.<br>Seller Comment (2025-11-18): appraisal document | 11/19/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9898545 | [Redact] | [Redact] | 34947060 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-19): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9898547 | [Redact] | [Redact] | 34947147 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9898621 | [Redact] | [Redact] | 34947684 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-22): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/22/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9898638 | [Redact] | [Redact] | 34947966 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-31): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-29): Tracking ID:<br> [Redacted]<br> Delivered<br> [Redacted], [Redacted] at [Redacted]<br> Signed for by: [Redacted] | 12/31/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9898638 | [Redact] | [Redact] | 35275394 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/19/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9898640 | [Redact] | [Redact] | 34948039 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9898640 | [Redact] | [Redact] | 35290633 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-22): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/22/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9898645 | [Redact] | [Redact] | 34948082 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9914959 | [Redact] | [Redact] | 34965466 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-09): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9914959 | [Redact] | [Redact] | 35160962 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide a copy of the insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-16): Received updated hazard insurance policy with update dwelling. Exception Cleared.<br>Seller Comment (2025-12-15): Please see attached insurance declarations page. | 12/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9915108 | [Redact] | [Redact] | 34965649 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9915111 | [Redact] | [Redact] | 34966103 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-19): collateral delivered [Redacted] via [Redacted]tracking [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9915112 | [Redact] | [Redact] | 34966107 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-02): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2026-01-30): (Rate Lock) [Redacted] | 02/02/2026 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| [Redact] | 9915112 | [Redact] | [Redact] | 35654508 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2026-01-29): Client elected to waive the condition on the Non-QM 1st lien |  |  | 01/29/2026 | 2 B |  | [Redact] | 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 |
| [Redact] | 9915507 | [Redact] | [Redact] | 34967835 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9915507 | [Redact] | [Redact] | 35169370 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/09/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9915507 | [Redact] | [Redact] | 35169406 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Reviewer Comment (2025-12-09): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/09/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9915507 | [Redact] | [Redact] | 35169409 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Mortgage Broker Fee Amount of $[Redacted] wasn't disclosed to the borrower on the LE Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-12-11): [Redacted] Received Valid COC dated [Redacted].<br>Seller Comment (2025-12-10): [Redacted] there was a CofC to flip the compensation plan from lender to borrower paid to reduce the need to pay the discount points. This change ended up giving the borrower lender credits at closing instead of a charge for the rate. A Closing Disclosure went out to the borrower on the same day. Please see attached CofC and Redisclosure.<br>Seller Comment (2025-12-10): On [Redacted] there was a CofC to flip the compensation plan from lender to borrower paid to reduce the need to pay the discount points. This change ended up giving the borrower lender credits at closing instead of a charge for the rate. A Closing Disclosure went out to the borrower on the same day. Please see attached CofC and Redisclosure. | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9915507 | [Redact] | [Redact] | 35169410 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Second Appraisal Fee Amount of $[Redacted] wasn't disclosed on the LE however, there was a lender credit to cover the cost to cure |  |  |  | Reviewer Comment (2025-12-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (2025-12-10): Please see the attached tolerance cure breakdown which shows the borrower was provided a credit at closing for the increase in appraisal fee 2 and credit report. | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 9915507 | [Redact] | [Redact] | 35185513 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/09/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9915507 | [Redact] | [Redact] | 35200105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-11): Sufficient Cure Provided At Closing |  | 12/11/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9915499 | [Redact] | [Redact] | 34967839 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9915499 | [Redact] | [Redact] | 35195460 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/11/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9915499 | [Redact] | [Redact] | 35195462 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The CD was sent to the borrower [Redacted] wasn't signed until [Redacted] less than 3 business days before closing. |  |  |  | Reviewer Comment (2025-12-15): [Redacted] received [Redacted] CD received 3 business days prior to consummation.<br>Seller Comment (2025-12-12): [Redacted] Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on [Redacted] and consented to it on [Redacted]. This meets the 3 business days before the closing date of [Redacted] | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| [Redact] | 9915499 | [Redact] | [Redact] | 35195464 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing |  | 12/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9915499 | [Redact] | [Redact] | 35195465 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing |  | 12/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9915499 | [Redact] | [Redact] | 35195466 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing |  | 12/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9915497 | [Redact] | [Redact] | 34967861 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9915497 | [Redact] | [Redact] | 35195700 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9915519 | [Redact] | [Redact] | 34968065 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-26): collateral delivered [Redacted] via [Redacted]tracking [Redacted] | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9915521 | [Redact] | [Redact] | 34968137 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-22): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/22/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9915521 | [Redact] | [Redact] | 35267072 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/18/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9915521 | [Redact] | [Redact] | 35270932 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | There is evidence on the initial 1003 that the borrower intends on occupying the property as their primary residence. |  |  |  |  |  |  | 12/18/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9915648 | [Redact] | [Redact] | 34968152 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9915648 | [Redact] | [Redact] | 35152397 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] |  |  |  | Reviewer Comment (2025-12-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9917550 | [Redact] | [Redact] | 34980014 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 34980045 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-09): Flood cert, HOI, Rent Schedule. | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35188170 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-12-11): Fraud Report provided<br>Seller Comment (2025-12-11): Fraud Report | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35188171 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC not provided. |  |  |  | Reviewer Comment (2025-12-11): Fraud Report provided<br>Seller Comment (2025-12-11): OFAC on Fraud Report uploaded on other condition. | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35188172 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing Purchase Agreement / Sales Contract. |  |  |  | Reviewer Comment (2025-12-11): Purchase agreement provided<br>Seller Comment (2025-12-11): Purchase Agreement. | 12/11/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35188189 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC was not checked and required per guidelines. |  |  |  | Reviewer Comment (2025-12-11): Fraud Report provided<br>Seller Comment (2025-12-11): OFAC provided on fraud report provided on other condition. | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35188190 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-12-11): Fraud Report provided<br>Seller Comment (2025-12-11): Fraud Report uploaded on other condition. | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35188226 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917551 | [Redact] | [Redact] | 35202850 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Upon further review, the file was missing a copy of the Closing Protection Letter. |  |  |  | Reviewer Comment (2025-12-15): CPL provided<br>Seller Comment (2025-12-15): Closing Protection Letter | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917629 | [Redact] | [Redact] | 34980150 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-10): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/10/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917629 | [Redact] | [Redact] | 35122187 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-03): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9917629 | [Redact] | [Redact] | 35125561 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Client approved exception for Rural property not allowed on investment. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | LTV [Redacted] where [Redacted] is maximum<br>Job stability: Self employed with business [Redacted] years<br>DTI is [Redacted] with no rental income where [Redacted] is maximum | Originator Pre-Close,Aggregator,[Redact]<br>Originator Pre-Close,Aggregator,[Redact]<br>[Redact],Originator Pre-Close,Aggregator | Reviewer Comment (2025-12-03): Client elects to waive with compensating factors:<br> DTI is [Redacted] with no rental income where [Redacted] is maximum<br> LTV [Redacted] where [Redacted] is maximum<br> Job stability: Self employed with business [Redacted] years |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917633 | [Redact] | [Redact] | 34980200 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted]. | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9917628 | [Redact] | [Redact] | 34980341 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-22): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted]. | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9917636 | [Redact] | [Redact] | 34980915 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-16): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted]. | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9917636 | [Redact] | [Redact] | 35254283 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Monthly P&I does not agree with Schedule [Redacted]: [Redacted] NOTE:[Redacted] |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-17): Please match the schedule to the Note. | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9917644 | [Redact] | [Redact] | 34981256 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917644 | [Redact] | [Redact] | 35150086 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. |  |  |  |  |  |  | 12/03/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917644 | [Redact] | [Redact] | 35157080 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The declarations section of the final 1003 for the co-borrower, identified the property would be occupied as a primary residence. A revised final 1003 is required. |  |  |  | Reviewer Comment (2025-12-12): Revised 1003 provided<br>Seller Comment (2025-12-11): 1003/ Occupancy affidavit | 12/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 34981418 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-19): UPS Tracking for note-Note delivered today [Redacted] - [Redacted]<br>Seller Comment (2025-12-19): (Rate Lock) Note tracking [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067061 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Lease Agreement. |  |  |  | Reviewer Comment (2025-12-16): [Redacted]& [Redacted] amount verified in bank statement. Exception Cleared.<br>Seller Comment (2025-12-15): This a short-term rental; we have receipt of [Redacted] and [Redacted] receipts in the bank statements. | 12/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067067 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Tax verification and Insurance verification |  |  |  | Reviewer Comment (2025-12-01): Tax verification and Insurance amount paying by co-debtor. Exception Cleared.<br>Seller Comment (2025-11-30): We have proof that the co-debtor make this mortgage payment. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067081 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | The file is missing a copy of Loan Underwriting and Transmittal Summary (1008). |  |  |  | Reviewer Comment (2025-12-04): Received Loan Underwriting and Transmittal Summary (1008). Exception Cleared.<br>Seller Comment (2025-12-03): Please see attached | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067083 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud report |  |  |  | Reviewer Comment (2025-12-01): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-30): Attached. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067091 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-12-01): Received fraud report. Exception Cleared.<br>Seller Comment (2025-11-30): Attached. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067208 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  |  |  | Reviewer Comment (2025-12-16): [Redacted]& [Redacted] amount verified in bank statement. Exception Cleared.<br>Seller Comment (2025-12-15): This a short-term rental; we have receipt of [Redacted] and [Redacted] receipts in the bank statements. | 12/16/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067209 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Unable to verify Real Estate Owned income ([Redacted]% Method) using reasonably reliable third-party records |  |  |  | Reviewer Comment (2025-12-16): [Redacted]& [Redacted] amount verified in bank statement. Exception Cleared.<br>Seller Comment (2025-12-15): This a short-term rental; we have receipt of [Redacted] and [Redacted] receipts in the bank statements. | 12/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067212 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. |  |  |  | Reviewer Comment (2025-12-16): [Redacted]& [Redacted] amount verified in bank statement. Exception Cleared. | 12/16/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067213 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-12-01): Received List of homeowners counseling. Exception Cleared.<br>Seller Comment (2025-11-30): Attached. | 12/01/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067215 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. | Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-02): [Redacted] received [Redacted] LE<br>Seller Comment (2025-11-30): Attached. | 12/02/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9917676 | [Redact] | [Redact] | 35067264 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-01): Received replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-11-30): Please see attached. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 34981488 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198696 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC was not checked and required per guidelines. |  |  |  | Reviewer Comment (2025-12-15): Fraud report provided<br>Seller Comment (2025-12-12): Fraud Report | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198697 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file. |  |  |  | Reviewer Comment (2025-12-15): Fraud report provided<br>Seller Comment (2025-12-12): Fraud Report | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198702 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198703 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Background Check not provided. |  |  |  | Reviewer Comment (2025-12-17): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-16): Fraud report previously provided to address other conditions | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198705 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-12-17): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-16): Fraud report provided to address other condition. Please waive this duplicate condition | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198706 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC not provided. |  |  |  | Reviewer Comment (2025-12-15): Fraud report provided | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35198707 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract not provided. |  |  |  | Reviewer Comment (2025-12-15): Purchase agreement provided<br>Seller Comment (2025-12-12): Contract | 12/15/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917678 | [Redact] | [Redact] | 35235481 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Upon further review, the file is missing a copy of the Closing Protection letter. |  |  |  | Reviewer Comment (2025-12-17): Received Closing Protection Letter. Exception Cleared.<br>Seller Comment (2025-12-16): CPL | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D B A |  | N/A | No |
| [Redact] | 9917737 | [Redact] | [Redact] | 34981569 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917737 | [Redact] | [Redact] | 35219167 |  | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. |  | Mortgagor Name(s) does not agree with Schedule [Redacted]: [Redacted] :NOTE: [Redacted] |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917738 | [Redact] | [Redact] | 34981592 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-31): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/31/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917738 | [Redact] | [Redact] | 35290936 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/22/2025 | 2 B |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917969 | [Redact] | [Redact] | 34988986 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-08): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/08/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9917969 | [Redact] | [Redact] | 35135898 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank [Redacted]): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9917990 | [Redact] | [Redact] | 34990830 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9917990 | [Redact] | [Redact] | 35163125 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted].00 or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-05): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/05/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9918063 | [Redact] | [Redact] | 34991232 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-22): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-18): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 12/22/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9918063 | [Redact] | [Redact] | 35236832 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/15/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9918064 | [Redact] | [Redact] | 34991269 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-30): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9918064 | [Redact] | [Redact] | 35312077 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/29/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9918064 | [Redact] | [Redact] | 35312078 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/29/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9918065 | [Redact] | [Redact] | 34991510 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-08): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2026-01-05): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. | 01/08/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Rate/Term | A |  | N/A | No |
| [Redact] | 9918066 | [Redact] | [Redact] | 34991556 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-09): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-08): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted] . | 12/09/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9918170 | [Redact] | [Redact] | 34992346 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-08): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/08/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9918170 | [Redact] | [Redact] | 35137082 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of Insurance verification and HOA document. |  |  |  | Reviewer Comment (2025-12-11): Received updated hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-09): [Redacted] [Redacted]: please see attached HOI and document showing no HOA on this REO | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9918166 | [Redact] | [Redact] | 34992586 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-05): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/05/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9951053 | [Redact] | [Redact] | 34993504 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9951053 | [Redact] | [Redact] | 35196806 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9951053 | [Redact] | [Redact] | 35196909 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9953377 | [Redact] | [Redact] | 35000699 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9953377 | [Redact] | [Redact] | 35201461 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9953380 | [Redact] | [Redact] | 35001060 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] . | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9953630 | [Redact] | [Redact] | 35001295 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-25): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-23): (Rate Lock) [Redacted] | 12/25/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9953804 | [Redact] | [Redact] | 35005899 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-22): (Rate Lock) note tracking [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9953805 | [Redact] | [Redact] | 35006047 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9953829 | [Redact] | [Redact] | 35006474 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954312 | [Redact] | [Redact] | 35010043 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9954312 | [Redact] | [Redact] | 35195964 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). |  |  |  |  |  |  | 12/10/2025 | 2 B |  | [Redact] | Second Home | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9954491 | [Redact] | [Redact] | 35010461 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954491 | [Redact] | [Redact] | 35217944 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/12/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954491 | [Redact] | [Redact] | 35217945 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-12): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/12/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9954491 | [Redact] | [Redact] | 35218237 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing documentation tov verify the taxes, insurance, and any HOA dues for the REO. |  |  |  | Reviewer Comment (2025-12-22): Received tax and insurance verification. Exception Cleared.<br>Seller Comment (2025-12-19): REO Docs | 12/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954492 | [Redact] | [Redact] | 35010552 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954492 | [Redact] | [Redact] | 35197707 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification not provided. |  |  |  | Reviewer Comment (2025-12-23): Proof of HOI provided<br>Seller Comment (2025-12-23): plz see the attached | 12/23/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9954492 | [Redact] | [Redact] | 35197848 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]9%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  | Reviewer Comment (2025-12-11): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/11/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9954584 | [Redact] | [Redact] | 35010750 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-23): Waived on Rate Lock: Collateral cleared by [Redacted] | 01/23/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9954656 | [Redact] | [Redact] | 35011866 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-26): Per [Redacted] tracking [Redacted] , the collateral was delivered on [Redacted] at [Redacted] . | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9859796 | [Redact] |  | 35130908 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | The declaration sections of the initial and final 1003 identify the borrowers would occupy the property as a primary residence. A revised final 1003 is required. |  |  |  | Reviewer Comment (2025-12-05): Revised final 1003 provided correcting the declarations section for both borrowers<br>Seller Comment (2025-12-04): correct 1003<br>Reviewer Comment (2025-12-04): The declarations section for the co-borrower still identifies the property would be occupied as a primary residence. Condition remains open<br>Seller Comment (2025-12-03): final 1003 | 12/05/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859796 | [Redact] |  | 35130913 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | The declaration sections of the initial and final 1003 identify the borrowers would occupy the property as a primary residence. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859797 | [Redact] |  | 35033802 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9859797 | [Redact] |  | 35033803 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9859829 | [Redact] |  | 35038726 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is not in file. |  |  |  | Reviewer Comment (2025-12-04): Received Initial 1003. Exception Cleared.<br>Seller Comment (2025-12-03): initial 1003 | 12/04/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9859829 | [Redact] |  | 35038955 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9859829 | [Redact] |  | 35038970 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent |  |  |  | Reviewer Comment (2025-12-04): [Redacted] received disclosure summary.<br>Seller Comment (2025-12-03): e-consent | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 9859829 | [Redact] |  | 35095528 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Loan closed prior to expiration of 12-day cooling off period) | [Redacted] Constitution Section 50(a)(6): Revised Notice Concerning Extensions of Credit not provided on [Redacted]Home Equity Loan made on or after [Redacted] as required by Section 50(g). |  |  |  |  | Reviewer Comment (2025-12-09): Disclosure provided<br>Seller Comment (2025-12-08): i apologize, here is the correct [Redacted] disclosure<br>Reviewer Comment (2025-12-05): Additional copy of the Acknowledgement of Receipt of Loan Application and Final Itemized Disclosure provided. This will not clear the condition. The file is missing a copy of the Notice Concerning Extension of Credit disclosure. Condition remains<br>Seller Comment (2025-12-04): [Redacted] acknowledgment of receipt<br>Reviewer Comment (2025-12-04): Proof the Notice Concerning Extension of Credit provided, but a copy of the actual disclosure is required to test and clear the condition. Condition remains<br>Seller Comment (2025-12-03): [Redacted] disclosure | 12/09/2025 |  |  | 1 C A |  | [Redact] | 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. C B A | Non QM | Non QM | Yes |
| [Redact] | 9859799 | [Redact] |  | 35033224 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9859767 | [Redact] |  | 35130797 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum active tradelines per guidelines. |  | The borrower does not have the minimum tradelines required by the guides. Note: the file contained a copy of a lender exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to [Redacted]%.<br>The representative FICO score is above [Redacted]. | [Redacted] months reserves<br>residual income of $[Redacted] monthly | [Redact],Originator Pre-Close,Aggregator<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-03): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves and residual income of $[Redacted] monthly |  |  | 12/03/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859782 | [Redact] |  | 35106365 |  | Compliance | Compliance | State Compliance | State Defect | ([Redact]50(a)(6)) [Redact] Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | [Redacted] Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  |  | Reviewer Comment (2025-12-04): Acknowledgment provided verifying itemized fees received one day prior to closing.<br>Seller Comment (2025-12-03): disclosure attached | 12/04/2025 |  |  | 1 C A |  | [Redact] | 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. C A | Non QM | Non QM | Yes |
| [Redact] | 9859782 | [Redact] |  | 35106366 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of fees. No valid COC provided, Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2025-11-26): Sufficient Cure Provided At Closing |  | 11/26/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9859794 | [Redact] |  | 35130834 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The condo project is non-warrantable. Lender exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The representative FICO score is above [Redacted]. | [Redacted] months reserves<br>residual income of $[Redacted] | [Redact],Originator Pre-Close,Aggregator<br>[Redact]<br>Aggregator,[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-03): Client elected to waive the condition with the following Comp Factor: [Redacted] months reserves + residual income of $[Redacted] |  |  | 12/03/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859784 | [Redact] |  | 35103136 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859784 | [Redact] |  | 35103240 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Appraisal Update/442 is required and is missing in file. |  |  |  | Reviewer Comment (2025-12-04): Received revised appraisal. Exception Cleared.<br>Seller Comment (2025-12-02): as is appraisal | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859784 | [Redact] |  | 35103249 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859784 | [Redact] |  | 35103250 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]6% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9859784 | [Redact] |  | 35130844 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. |  |  |  | Reviewer Comment (2025-12-04): Received project approval. Exception Cleared.<br>Seller Comment (2025-12-02): condo form | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859784 | [Redact] |  | 35130921 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The file is missing a copy of the Final Settlement Statement from the sale of the departure residence. The file contained a copy of the Estimated Settlement Statement only. |  |  |  | Reviewer Comment (2025-12-04): Received Seller CD. Exception Cleared.<br>Seller Comment (2025-12-02): departing residence CD | 12/04/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Non QM | Non QM | No |
| [Redact] | 9859769 | [Redact] |  | 35103930 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859769 | [Redact] |  | 35103948 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859779 | [Redact] |  | 35103084 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9859779 | [Redact] |  | 35103085 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9859779 | [Redact] |  | 35103088 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy not provided. |  |  |  | Reviewer Comment (2025-12-04): Received Hazard Insurance Policy. Exception Cleared.<br>Seller Comment (2025-12-02): HOI | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| [Redact] | 9859789 | [Redact] |  | 35129292 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9859820 | [Redact] |  | 35107068 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | The file was missing a copy of the Right to Receive a Copy appraisal. |  |  |  | Buyer Comment (2025-12-01): Initial and Final Grade B, accepted. |  |  | 12/01/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9859827 | [Redact] |  | 35103409 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The condo is non-warrantable and the file contained a lender exception approval. |  |  |  | Reviewer Comment (2025-12-03): Received project approval. Exception Cleared.<br>Seller Comment (2025-12-02): complete condo form | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9956980 | [Redact] | [Redact] | 35022828 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9956985 | [Redact] | [Redact] | 35022849 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-31): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/31/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957021 | [Redact] | [Redact] | 35022933 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-16): Collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9957021 | [Redact] | [Redact] | 35183998 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/09/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9957075 | [Redact] | [Redact] | 35022980 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35032465 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-30): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-29): See attached shipping package with Label and tracking # | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302200 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | Hazard Insurance policy missing |  |  |  | Reviewer Comment (2025-12-29): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-29): Immaterial please waive. | 12/29/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302202 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file was missing Flood Certificate |  |  |  | Reviewer Comment (2025-12-29): Received Flood Certificate. Exception Cleared.<br>Seller Comment (2025-12-29): See attached | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302203 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing Fraud Report |  |  |  | Reviewer Comment (2025-12-29): Received Fraud Report. Exception Cleared.<br>Seller Comment (2025-12-29): See attached fraud report | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302204 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing Hazard Insurance Policy |  |  |  | Reviewer Comment (2025-12-29): Received hazard insurance policy. Exception Cleared.<br>Seller Comment (2025-12-29): See attached HOI | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302213 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract missing |  |  |  | Reviewer Comment (2025-12-29): Received Purchase Agreement / Sales Contract. Exception Cleared.<br>Seller Comment (2025-12-29): See attached COS | 12/29/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302214 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing Evidence of Access to Funds |  |  |  | Reviewer Comment (2025-12-29): Received CPA letter. Exception Cleared.<br>Seller Comment (2025-12-29): See attached CPA letter full access to funds | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302216 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing Evidence of Access to Funds |  |  |  | Reviewer Comment (2025-12-29): Received CPA letter. Exception Cleared.<br>Seller Comment (2025-12-29): see trailing CPA letter | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302277 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | Reviewer Comment (2025-12-29): Received CPA letter. Exception Cleared.<br>Seller Comment (2025-12-29): See attached Business bank statement and income calculator<br>Seller Comment (2025-12-29): disregard<br>Seller Comment (2025-12-29): No income documents as this is a DSCR loan. Do you need the lease ? | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302284 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | No evidence of fraud report in file |  |  |  | Reviewer Comment (2025-12-29): Received fraud report. Exception Cleared.<br>Seller Comment (2025-12-29): see trailing docs | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302387 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | REO documents Missing |  |  |  | Reviewer Comment (2025-12-30): Received hazard insurance & tax certificate. Exception Cleared.<br>Seller Comment (2025-12-30): See attached REO docs for [Redacted] - Mortgage statement, Tax Cet and HOI<br>Reviewer Comment (2025-12-29): Received mortgage statement, hazard insurance & tax certificate for property #[Redacted] . Required Tax certificate & hazard insurance policy for property #[Redacted] . Exception Remains.<br>Seller Comment (2025-12-29): See attached REO docs for both properties<br>Seller Comment (2025-12-29): disregard<br>Seller Comment (2025-12-29): not required this is a DSCR loan the other property expenses are irrelevant and do not impact the borrower's ability to qualify. | 12/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302402 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-29): Received E-Sign Consent Agreement. Exception Cleared.<br>Seller Comment (2025-12-29): See attached econsent | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302414 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date |  |  |  | Reviewer Comment (2025-12-29): Received initial 1003. Exception Cleared.<br>Seller Comment (2025-12-29): See attached initial 1003 signed [Redacted] | 12/29/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302416 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of [Redacted] which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted], [Redacted]. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA [Redacted] start date, RESPA [Redacted] start date, TIL/MDIA [Redacted]start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing Initial Loan Application Testing |  |  |  | Reviewer Comment (2025-12-29): Received initial 1003. Exception Cleared.<br>Seller Comment (2025-12-29): see trailing docs | 12/29/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35302419 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2025-12-29): Received hazard insurance policy & Replacement cost estimator. Exception Cleared.<br>Seller Comment (2025-12-29): See attached replacement cost estimator | 12/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957911 | [Redact] | [Redact] | 35314123 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2025-12-30): Received right to receive of copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-30): See Unified business disclosure page 2 and the proof it was delivered timely attached | 12/30/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | D A B | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957899 | [Redact] | [Redact] | 35033156 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): (Rate Lock) [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | B A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9957899 | [Redact] | [Redact] | 35195714 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-10): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/10/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Exempt from ATR | Exempt from ATR | Yes |
| [Redact] | 9957891 | [Redact] | [Redact] | 35033744 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-01): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-30): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 01/01/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9957891 | [Redact] | [Redact] | 35312572 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No documentation in file to evidence receipt of the appraisal by the borrowers. |  |  |  |  |  |  | 12/29/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9957880 | [Redact] | [Redact] | 35033836 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-24): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/24/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | A |  | N/A | No |
| [Redact] | 9859771 | [Redact] |  | 35115353 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Reviewer Comment (2025-12-08): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-05): appraisal disclosure | 12/08/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859771 | [Redact] |  | 35175046 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Buyer Comment (2025-12-08): Initial and Final Grade B, accepted |  |  | 12/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9977656 | [Redact] | [Redact] | 35054921 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-01-05): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 01/05/2026 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9977656 | [Redact] | [Redact] | 35289699 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/23/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9977656 | [Redact] | [Redact] | 35289700 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  |  |  |  | 12/23/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9978968 | [Redact] | [Redact] | 35067799 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A |  | N/A | No |
| [Redact] | 9978960 | [Redact] | [Redact] | 35067811 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-15): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | A | Non QM | Non QM | No |
| [Redact] | 9978960 | [Redact] | [Redact] | 35187833 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| [Redact] | 9978976 | [Redact] | [Redact] | 35067816 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by [Redacted] | 12/17/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9978976 | [Redact] | [Redact] | 35194966 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Reviewer Comment (2025-12-10): Client elected to waive the condition on the Non-QM 1st lien |  |  | 12/10/2025 | 2 B |  | [Redact] | 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 |
| [Redact] | 9978976 | [Redact] | [Redact] | 35194969 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing |  | 12/10/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| [Redact] | 9979021 | [Redact] | [Redact] | 35068092 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-16): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-12): collateral delivered [Redacted] via [Redacted] tracking [Redacted] | 12/16/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9979024 | [Redact] | [Redact] | 35068105 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-31): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-30): Note<br>Seller Comment (2025-12-30): Tracking Number is [Redacted] . Please advise. | 12/31/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9859780 | [Redact] |  | 35121023 |  | 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 $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  |  |  |  | 12/04/2025 | 2 B |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9859780 | [Redact] |  | 35121059 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2025-12-08): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-05): appraisal disclosure | 12/08/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9859780 | [Redact] |  | 35121091 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted] Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-08): Received Replacement Cost Estimator. Exception Cleared.<br>Seller Comment (2025-12-05): cost estimator | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Limited Cash-out GSE | C B A |  | N/A | No |
| [Redact] | 9859772 | [Redact] |  | 35118025 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2025-12-09): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-05): appraisal disclosure | 12/09/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859775 | [Redact] |  | 35119074 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | "Right to Receive a Copy" of document is missing in the file. |  |  |  | Buyer Comment (2025-12-08): Initial and Final Grade B, accepted |  |  | 12/08/2025 | 2 B |  | [Redact] | Investment | Purchase | B A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112048 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require fraud report for both Entity and Guarantor.([Redacted]) |  |  |  | Reviewer Comment (2025-11-11): Noted fraud report. exception cleared.<br>Buyer Comment (2025-11-10): Fraud rpt with correct business entity circled in red<br>Reviewer Comment (2025-11-07): Received the same Fraud Report of business with incorrect business name r per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Business name. Exception Remains<br>Buyer Comment (2025-11-05): fraud rpt<br>Reviewer Comment (2025-11-04): Received Fraud Report of business, however business name reflect incorrect. per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Borrower name. Exception Remains<br>Buyer Comment (2025-11-03): fraud rpt<br>Reviewer Comment (2025-10-24): Received Individual Guarantor Fraud Report, still missing Separate Full Fraud Report for Business entity. Exception Remains<br>Buyer Comment (2025-10-22): fraud rpt | 11/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112049 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require operating agreement for "[Redacted]" |  |  |  | Reviewer Comment (2025-10-24): Received Operating agreement. Exception Cleared<br>Buyer Comment (2025-10-23): operating agreement | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing for Borrower/Guarantor. |  |  |  | Reviewer Comment (2025-11-12): Received fraud report for the entity. Exception cleared.<br>Buyer Comment (2025-11-11): fraud rpt<br>Reviewer Comment (2025-11-07): Received the same Fraud Report of business with incorrect business name r per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Business name. Exception Remains<br>Buyer Comment (2025-11-05): fraud rpt<br>Reviewer Comment (2025-11-04): Received Fraud Report of business, however business name reflect incorrect. per Note Correct Name is [Redacted] whereas Fraud report noted [Redacted]. Require updated Fraud report with Correct Borrower name. Exception Remains<br>Buyer Comment (2025-11-03): fraud rpt<br>Reviewer Comment (2025-10-24): Still missing Fraud Report for Business entity as only Guarantor Fraud report provided. Exception Remains<br>Buyer Comment (2025-10-22): fraud rpt | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112052 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in the file and is required as per guide. |  |  |  | Reviewer Comment (2025-10-24): Received OFAC For Borrower. Exception Cleared<br>Buyer Comment (2025-10-22): ofac | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9501876 | [Redact] |  | 35112053 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate is required. |  |  |  | Reviewer Comment (2025-10-24): Signed business purpose Certificate provided. Exception Cleared<br>Buyer Comment (2025-10-22): business purpose | 10/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9613076 | [Redact] |  | 35112055 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Business assets used from various entities, missing evidence of enfettered access. Acct#[Redacted] |  |  |  | Reviewer Comment (2025-10-31): Received Final 1003 and updated 1008 with required assets updated. Exception cleared,<br>Buyer Comment (2025-10-30): 1008<br>Buyer Comment (2025-10-30): 1003- including [Redacted] #[Redacted]<br>Reviewer Comment (2025-10-29): Noted Updated 1003 & 1008. Not considering funds from these(Acct# [Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted], #[Redacted].) however [Redacted] account [Redacted] Investments xxxx[Redacted] used [Redacted]% for closing & reserves not reflecting on 1003, please update the 1003 & 1008 with [Redacted] Investments xxxx[Redacted] to meet the funds for closing/reserves. exception remains.<br>Buyer Comment (2025-10-28): NON-DEL ELIGIBILITY CERT<br>Buyer Comment (2025-10-28): 1008<br>Buyer Comment (2025-10-28): 1003 removing all addt'l accounts not in borrower's name - sufficient funds still verified. | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9769235 | [Redact] |  | 35112076 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require tax certificate for the subject property. |  |  |  | Reviewer Comment (2025-11-07): Received Tax cert Lender used milage Rate [Redacted] used for qualification. Exception cleared<br>Buyer Comment (2025-11-05): Please see updated Milliage rate of [Redacted]<br>Reviewer Comment (2025-11-04): Noted. Tax certificate provided annual tax $[Redacted] and $[Redacted]/month however lender used $[Redacted] annual and $[Redacted] / months. require correct tax information calculation sheet or updated first payment letter, Initial Escrow Account Disclosure, PCCD matching annual tax $[Redacted] & $[Redacted] / month. exception remains.<br>Buyer Comment (2025-11-03): Property Tax | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112094 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Rider - 1-4 Family is missing in file. |  |  |  | Reviewer Comment (2025-11-07): Received 1-4 Family Rider. Exception cleared<br>Buyer Comment (2025-11-05): Rider attached | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112095 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for the borrower is missing in file. |  |  |  | Reviewer Comment (2025-11-12): Received [Redacted] document confirmed no match. Exception Cleared<br>Buyer Comment (2025-11-10): [Redacted]<br>Reviewer Comment (2025-11-07): Received fraud report however Lender did not address the High altert, Borrower name was possible match found on [Redacted], however no evidence being address by Lender provided. Exception Remains<br>Buyer Comment (2025-11-05): Fraud Report | 11/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112098 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC report for the borrower is missing in file. |  |  |  | Reviewer Comment (2025-11-07): Received OFAC. Exception cleared<br>Buyer Comment (2025-11-05): OFAC | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9804487 | [Redact] |  | 35112099 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per guidelines, the loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. Missing DSCR Calculation. |  |  |  | Reviewer Comment (2025-11-07): Received DSCR Calculation worksheet. Exception cleared<br>Buyer Comment (2025-11-06): 1008 | 11/07/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9983337 | [Redact] | [Redact] | 35130406 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-17): Waived on Rate Lock: Collateral cleared by Custodian | 12/17/2025 |  |  | 1 A |  | [Redact] | Investment | Refinance - Cash-out - Other | A |  | N/A | No |
| [Redact] | 9983339 | [Redact] | [Redact] | 35130463 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2025-12-10): See attached collateral package and proof of shipping | 12/12/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9983339 | [Redact] | [Redact] | 35169999 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | The file was missing Closing Protection Letter. |  |  |  | Reviewer Comment (2025-12-11): Received Closing Protection Letter. Exception Cleared.<br>Seller Comment (2025-12-10): See attached closing protection letter | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9983339 | [Redact] | [Redact] | 35170006 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | The file was missing Title Preliminary, Commitment policy and Final policy. |  |  |  | Reviewer Comment (2025-12-11): Received Title Preliminary Report & Title Final. Exception Cleared.<br>Seller Comment (2025-12-10): See attached title report | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9983339 | [Redact] | [Redact] | 35170009 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-12-11): Received Title Preliminary Report & Title Final. Exception Cleared.<br>Seller Comment (2025-12-10): see trailing docs | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9983339 | [Redact] | [Redact] | 35170020 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2025-12-11): Received Title Preliminary Report & Title Final. Exception Cleared.<br>Seller Comment (2025-12-10): See attached final Title policy | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9983339 | [Redact] | [Redact] | 35170067 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Right To Receive a copy Appraisal sent to the borrower within 3 business days is missing in the file. |  |  |  | Reviewer Comment (2025-12-11): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-10): See attached Unified Business disclosure and the initial disclosure tracking | 12/11/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B |  | N/A | No |
| [Redact] | 9859830 | [Redact] |  | 35151698 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Buyer Comment (2025-12-08): Initial and Final Grade B, accepted |  |  | 12/08/2025 | 2 B |  | [Redact] | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| [Redact] | 9859783 | [Redact] |  | 35152571 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (2025-12-09): Received right to receive copy of appraisal. Exception Cleared.<br>Seller Comment (2025-12-05): appraisal disclosure | 12/09/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| [Redact] | 9768761 | [Redact] |  | 35168616 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). |  |  |  |  | Buyer Comment (2025-12-10): Initial and Final Grade B, accepted |  |  | 12/10/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| [Redact] | 9768761 | [Redact] |  | 35168620 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. |  |  |  |  | Reviewer Comment (2025-12-15): Final CD provided<br>Seller Comment (2025-12-12): final CD<br>Reviewer Comment (2025-12-12): The borrowers did not receive the full three-day rescission. While the [Redacted] was executed on [Redacted] and the dates on the [Redacted] are correct based on a transaction date of [Redacted] , the final CD was not executed until [Redacted] . Therefore [Redacted] is the transaction date and the borrower was not given the full three-day rescission. Based on the [Redacted] transaction date, the expected expiration date of the [Redacted] should have been [Redacted] and the disbursement date on the CD would need to be [Redacted] or later. The conditions are valid, and rescission is required to be re-opened to cure the conditions. Conditions remain.<br>Seller Comment (2025-12-11): please clarify what document this is for? | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9768761 | [Redact] |  | 35168621 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  | Reviewer Comment (2025-12-15): Final CD provided<br>Reviewer Comment (2025-12-12): The borrowers did not receive the full three-day rescission. While the [Redacted] was executed on [Redacted] and the dates on the [Redacted] are correct based on a transaction date of [Redacted] , the final CD was not executed until [Redacted] . Therefore [Redacted] is the transaction date and the borrower was not given the full three-day rescission. Based on the [Redacted] transaction date, the expected expiration date of the [Redacted] should have been [Redacted] and the disbursement date on the CD would need to be [Redacted] or later. The conditions are valid, and rescission is required to be re-opened to cure the conditions. Conditions remain.<br>Seller Comment (2025-12-11): please clarify what the issue is on this exception. | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| [Redact] | 9844380 | [Redact] |  | 35198496 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] Vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | EV2 informational |  |  |  | Buyer Comment (2025-11-14): Acknowledged non-material EV2 |  |  | 11/14/2025 | 2 B |  | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | N/A | Yes |
| [Redact] | 9844380 | [Redact] |  | 35198498 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Require Condo Warrantable documentation as File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-12-01): Received Lender certified Condo Project approval. Exception Cleared<br>Buyer Comment (2025-11-26): Project warranty documents | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| [Redact] | 9844380 | [Redact] |  | 35198499 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide tax certificate to verify the tax amount of [Redacted] per month |  |  |  | Reviewer Comment (2025-11-28): Received Tax Verification for REO [Redacted], Exception Cleared<br>Buyer Comment (2025-11-25): tax cert | 11/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| [Redact] | 9844380 | [Redact] |  | 35198500 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require Verification that the business is active and operating either no more than [Redacted] business days prior to the Note Date, or after the Note Date but prior to [Redacted] purchase is required with one of the following as it is missing in file for "[Redacted]"<br> : <br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | Reviewer Comment (2025-12-01): Received Business website demonstrating activity supporting current business operations. Borrower Business is [Redacted]. Exception Cleared<br>Buyer Comment (2025-11-26): business license<br>Buyer Comment (2025-11-26): Current [Redacted] business site | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| [Redact] | 9954502 | [Redact] |  | 35254050 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement document is missing. |  |  |  | Reviewer Comment (2025-10-01): Received E-signed Consent Agreement. Exception Cleared<br>Buyer Comment (2025-09-30): Econsent and tracking | 10/01/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954507 | [Redact] |  | 35254053 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Require E-sign Consent Agreement as it is missing in file. |  |  |  | Reviewer Comment (2025-09-29): Received E-signed Consent Agreement. Exception Cleared<br>Buyer Comment (2025-09-29): Econsent | 09/29/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954500 | [Redact] |  | 35254059 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Require E-sign Consent Agreement as it is missing in file. |  |  |  | Reviewer Comment (2025-09-24): E-sign Consent Agreement provided. exception cleared.<br>Buyer Comment (2025-09-24): Econsent | 09/24/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954500 | [Redact] |  | 35254060 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-09-24): Noted Certificate of appraisal delivery to borrower within 3 days of note date. exception cleared.<br>Buyer Comment (2025-09-24): Appraisal delivery | 09/24/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954500 | [Redact] |  | 35254062 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee was disclosed as $[Redacted] on initial LE and $[Redacted] on Final CD. No valid COC provided in file. Evidence of cure not provided in file. |  |  |  | Reviewer Comment (2025-10-01): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-09-29): Refund check<br>Buyer Comment (2025-09-29): LOE and PCCD<br>Buyer Comment (2025-09-29): [Redacted] label |  | 10/01/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954495 | [Redact] |  | 35254064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | The final CD overdisclosed the Amount of Escrowed Property Costs over Year 1 as $[Redacted] on page 4; however, the Property Taxes ($[Redacted]), Insurance ($[Redacted]) total $[Redacted] per year. |  |  |  | Reviewer Comment (2025-10-01): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-09-30): LOE and PCCD<br>Reviewer Comment (2025-09-26): PCCD shows incorrect escrow amount on page 4. No MI is disclosed on the transaction. Please provide corrected PCCD, and LOE.<br>Buyer Comment (2025-09-25): Lender response with calculation<br>Reviewer Comment (2025-09-23): [Redacted] received Corrected CD & LOE to borrower. However, there was no correction from the Final CD. Escrowed costs on page 1 are $[Redacted] and allowed total property costs on page 4 can be 10, 11 or 12 months. Page 4 disclosed $[Redacted] which is over [Redacted] of $[Redacted] and escrowed property costs are overdisclosed. Provide a corrected CD and LOE to borrower meeting the regulatory requirements noted.<br>Buyer Comment (2025-09-23): LOE and PCCD |  | 10/01/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954508 | [Redact] |  | 35254066 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | As per guideline Business Narrative Form is required, which is not found in the file. |  |  |  | Reviewer Comment (2025-10-09): Received business narrative. exception Cleared<br>Buyer Comment (2025-10-07): Business Narrative | 10/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954508 | [Redact] |  | 35254068 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific Exception have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): All Open Income/Asset ATR Exception has been cleared. Exception Cleared | 10/09/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 9954508 | [Redact] |  | 35254069 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient documentation. This exception will be cleared once all ATR specific Exception have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-09): All Open Income/Asset ATR Exception has been cleared. Exception Cleared | 10/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954508 | [Redact] |  | 35254070 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | As per Initial Escrow disclosure statement Initial deposit was $[Redacted]. However, as per Initial Escrow payment is $[Redacted]. Required CD with correct Initial Escrow amount. |  |  |  | Reviewer Comment (2025-10-09): Received updated Initial escrow disclosure. Exception Cleared<br>Buyer Comment (2025-10-07): IEADS | 10/09/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Non QM | Non QM | No |
| [Redact] | 9954503 | [Redact] |  | 35254072 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report for [Redacted] & [Redacted] is missing in file |  |  |  | Reviewer Comment (2025-10-14): Received Fraud Report. Exception Cleared<br>Buyer Comment (2025-10-10): [Redacted]<br>Reviewer Comment (2025-10-01): Noted summary fraud risk details from [Redacted] however this report do not show complete search Such as,Borrower Details Report, Property Ownership Search, NOD/Foreclosure search, Employer Validation, Liens and Judgment and Participant Detail Report (borrower, loan officer, Title officer, Title company etc.) Exception remains.<br>Buyer Comment (2025-09-30): Fraud Report<br>Reviewer Comment (2025-09-29): Noted. Fraud report provided is for different borrowers ([Redacted), Provided fraud report for the borrowers ([Redacted]). Exception remains<br>Buyer Comment (2025-09-29): Report | 10/14/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954503 | [Redact] |  | 35254073 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-09-26): Received CDA. Exception Cleared<br>Buyer Comment (2025-09-26): CDA | 09/26/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954503 | [Redact] |  | 35254074 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Preliminary Title Report in file disclosed $[Redacted] of title insurance coverage; however this is less than the loan amount of $[Redacted] Provide a copy of the title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-10-01): Noted Preliminary Title Report covers the loan amount exception cleared.<br>Buyer Comment (2025-09-30): Title<br>Reviewer Comment (2025-09-26): Noted, however Title Report must covers the loan amount. Exception Remains<br>Buyer Comment (2025-09-26): Per Lender: The final title policy has not been issued on this loan yet. This is only the commitment therefore it doesn't need to match the loan amount nor the insured amount. | 10/01/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954503 | [Redact] |  | 35254077 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-09-25): Acknowledged non material EV2<br>Buyer Comment (2025-09-25): Receipt |  |  | 09/25/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954503 | [Redact] |  | 35254078 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | [Redacted] Originated, subject to further review and clearing |  |  |  | Buyer Comment (2025-10-02): Acknowledged as non-material. Diligence testing shows Exempt QM/ATR Equivalency is Safe Harbor QM (APOR)<br>Reviewer Comment (2025-10-02): This is a [Redacted] lender.<br>Buyer Comment (2025-09-30): Please confirm lender is [Redacted] |  |  | 10/02/2025 | 2 A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954503 | [Redact] |  | 35254079 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Mortgage Payoff statement for [Redacted] #[Redacted] is missing in file. |  |  |  | Reviewer Comment (2025-09-26): Payoff statement received. Exception Cleared<br>Buyer Comment (2025-09-25): Payoff | 09/26/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Cash-out - Other | D B C A | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954503 | [Redact] |  | 35254081 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Notice of Right to Cancel provided is form H-8 and transaction is same lender refinance, provide revised Right to Cancel form H-9. |  |  |  | Reviewer Comment (2025-10-07): Rescission reopened.<br>Buyer Comment (2025-10-06): Please escalate for re-review - the above is incorrect. Rescission was re-opened for correction. Expiration date must be at least 3 business days after borrower's receipt. Please clear.<br>Reviewer Comment (2025-10-06): Noted the updated RTC (H-9) but the Right to Cancel Signature Date reflects [Redacted] and Right to Cancel Expiration Date as [Redacted] however disbursement date [Redacted], Right to Cancel Signature date should reflects within 3 days of disbursement date . exception remains.<br>Buyer Comment (2025-10-03): NRTC, LOE and tracking |  | 10/07/2025 |  | 2 B |  | [Redact] | 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 C | Safe Harbor QM (APOR) | Exempt from ATR | No |
| [Redact] | 9954514 | [Redact] |  | 35254084 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-consent timing issue |  |  |  | Reviewer Comment (2025-10-10): [Redacted] received Certificate of Completion with the Electronic Report and Signature disclosure accepted by borrower on [Redacted].<br>Buyer Comment (2025-10-09): TRID only requires receipt of the disclosures by one of the borrowers on the loan, not both - please clear.<br>Reviewer Comment (2025-10-08): [Redacted] received earliest e-consent receipt of only 1 borrower. Please provide confirmation of receipt of consent for second borrower as well.<br>Buyer Comment (2025-10-07): Tracking for Econsent<br>Reviewer Comment (2025-09-30): The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by[Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-09-29): Esign Consent | 10/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954499 | [Redact] |  | 35254086 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement is missing and was required. |  |  |  | Reviewer Comment (2025-09-29): E-signed Consent Agreement Received. Exception Cleared<br>Buyer Comment (2025-09-29): Econsent tracking | 09/29/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954499 | [Redact] |  | 35254087 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the decrease in Lender Credit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-15): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-14): LOE,PCCD, refund check and tracking |  | 10/15/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954513 | [Redact] |  | 35254089 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement is not found in the file. |  |  |  | Reviewer Comment (2025-10-10): E-Signed Consent Agreement received. Exception Cleared<br>Buyer Comment (2025-10-08): Esign Consent | 10/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954509 | [Redact] |  | 35254092 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement not provided. |  |  |  | Reviewer Comment (2025-10-09): E-signed Consent agreement received. Exception Cleared<br>Buyer Comment (2025-10-07): Econsent | 10/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9954515 | [Redact] |  | 35254094 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-10-10): Received CDA. Exception Cleared<br>Buyer Comment (2025-10-08): CDA | 10/10/2025 |  |  | 1 D A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254095 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-10-08): Received 1008 for subject property. Exception Cleared<br>Buyer Comment (2025-10-06): 1008 | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254096 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or[Redacted]%). | Non-QM designation, EV2 informational. |  |  |  | Buyer Comment (2025-10-02): Acknowledged non-material |  |  | 10/02/2025 | 2 B |  | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254099 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of Recording Fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-10-16): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-15): LOE, PCCD and refund check |  | 10/16/2025 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254100 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Updated Final [Redacted]is required, as the provided final [Redacted]does not reflect the borrower's self-employed status. |  |  |  | Reviewer Comment (2025-10-08): Received updated Final 1003 which reflects the borrower's self employment status. Exception Cleared<br>Buyer Comment (2025-10-06): 1003 | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954515 | [Redact] |  | 35254101 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2025-10-08): Received Approval. Exception Cleared<br>Buyer Comment (2025-10-06): Approval | 10/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | D B C A | Non QM | Non QM | No |
| [Redact] | 9954504 | [Redact] |  | 35254103 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Fie contains only 1-month asset statement [Redacted] for Acct#[Redacted] which is needed to meet reserves requirements. Require reserves of 9 months primary on fully qualifying payment and 2-months additional reserves for other financed property. Provide July [Redacted] statement |  |  |  | Reviewer Comment (2025-10-23): [Redacted statement provided.<br>Buyer Comment (2025-10-23): [Redacted] statement ([Redacted]) [Redacted] statement ([Redacted]) [Redacted] statement ([Redacted]) [Redacted] ([Redacted])<br>Buyer Comment (2025-10-23): please review attached and advise | 10/23/2025 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | N/A | N/A | No |
| [Redact] | 9954523 | [Redact] |  | 35254105 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing and was required. |  |  |  | Reviewer Comment (2025-10-21): Received E-signed Consent agreement. Exception Cleared<br>Buyer Comment (2025-10-17): Econsent | 10/21/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9954501 | [Redact] |  | 35254107 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Required updated Flood certificate reflecting Unit #[Redacted] in subject property address. |  |  |  | Reviewer Comment (2025-10-17): Received updated Flood Cert with correction Property address. Exception Cleared<br>Buyer Comment (2025-10-16): Flood Cert | 10/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | N/A | N/A | No |
| [Redact] | 9954501 | [Redact] |  | 35254109 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-10-16): Acknowledged non material EV2 |  |  | 10/16/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | N/A | N/A | No |
| [Redact] | 9954501 | [Redact] |  | 35254110 |  | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | Appraisal report reflects zoning description as [Redacted] however as per guide, business-zoned properties are ineligible. Please review for acceptance. |  |  |  | Reviewer Comment (2025-10-27): Appraisal comment provided. [Redacted]<br>Buyer Comment (2025-10-23): Appraisal and UW Response | 10/27/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | N/A | N/A | No |
| [Redact] | 9954511 | [Redact] |  | 35254112 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing evidence of HOA Dues for [Redacted]- Supporting document is required to verify the expense of $[Redacted] |  |  |  | Reviewer Comment (2025-10-29): Received Mortgage statement confirmed only Insurance Escrowed HOA and Tax Verified. Exception Cleared<br>Buyer Comment (2025-10-27): uw comments<br>Buyer Comment (2025-10-27): UW CLARIFICATION FOR TAXES AND INSURANCE THE HOA<br>Reviewer Comment (2025-10-22): Received HOA document confirming HOA fees for $[Redacted] However Mortgage payments reflecting on credit report does not confirm if they are escrowed with taxes and insurance. Provide Mortgage statement and insurance verification for property "[Redacted]" after reviewed further documents would be requested. Exception remains.<br>Buyer Comment (2025-10-21): HOA fee documentation | 10/29/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954511 | [Redact] |  | 35254114 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee was disclosed as $[Redacted] on Initial LE and $[Redacted] on Final CD. Evidence of cure not provided in file nor is a COC present. |  |  |  | Reviewer Comment (2025-10-20): [Redacted] received Letter of Explanation, Principal payment and Corrected CD.<br>Buyer Comment (2025-10-17): LOE, PCCD and payment history |  | 10/20/2025 |  | 2 C B |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954522 | [Redact] |  | 35254117 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-10-23): Noted E-signed consent agreement. exception cleared.<br>Buyer Comment (2025-10-22): Esign consent | 10/23/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954520 | [Redact] |  | 35254127 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-C document is missing in file for co-borrower ([Redacted]), required as per guide. |  |  |  | Reviewer Comment (2025-10-28): Per client directive, no income used, not needed<br>Buyer Comment (2025-10-27): Per Lender: We did not use her income so the 4506C was not required | 10/28/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954520 | [Redact] |  | 35254129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-28): Per client directive 4506 income doc, no income used, not needed<br>Buyer Comment (2025-10-27): Per Lender: We did not use her income so the 4506C was not required | 10/28/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954520 | [Redact] |  | 35254130 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to insufficient income documenation. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-28): Per client directive 4506 income doc, no income used, not needed<br>Buyer Comment (2025-10-27): Per Lender: We did not use her income so the 4506C was not required | 10/28/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954506 | [Redact] |  | 35254135 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement document is missing. |  |  |  | Reviewer Comment (2025-10-31): E-signed Consent agreement Received. Exception Cleared<br>Buyer Comment (2025-10-30): Econsent | 10/31/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 9954505 | [Redact] |  | 35254161 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HELOC agreement is missing for 2nd lien to verify P&I for the address[Redacted] |  |  |  | Reviewer Comment (2025-11-06): Lender used [Redacted% of Credit limit as being conservative payment. Exception Cleared<br>Buyer Comment (2025-11-04): Per Lender: There is a payment calculation; shown on the Credit Agreement. The Regular payment shows $[Redacted]% in the Regular payment calculation section of the Agreement; which is the minimum payment. It was approved at [Redacted]% which is the payment of $[Redacted]<br>Reviewer Comment (2025-10-31): Received HELOC agreement however unable to verify the monthly payment. Provide supporting document to verify the month payment as $[Redacted]. Exception Remains.<br>Buyer Comment (2025-10-30): HELOC | 11/06/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9954505 | [Redact] |  | 35254162 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for both borrowers. |  |  |  | Reviewer Comment (2025-10-31): Received Fraud report for both borrowers. Exception Cleared.<br>Buyer Comment (2025-10-30): Drive report | 10/31/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300707 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Provide a Collateral Desktop Analysis (CDA) from [Redacted] or an Appraisal Risk Review (AAR) from [Redacted]. A CU score was not provided. |  |  |  | Reviewer Comment (2025-10-16): Received UCDP CU Score less than [Redacted] CDA not require. Exception Cleared<br>Buyer Comment (2025-10-15): CU | 10/16/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300709 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Require third-party fraud report (FraudGuard or similar) for borrower "[Redacted]" to identify any information discrepancies and indications of possible fraudulent activity. |  |  |  | Reviewer Comment (2025-10-16): Received Fraud Report for borrower. Exception Cleared<br>Buyer Comment (2025-10-15): FRAUD | 10/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300710 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The loan file must include documentation detailing the DSCR calculation. |  |  |  | Reviewer Comment (2025-10-16): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-10-15): income [Redacted] | 10/16/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300711 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | Large deposits, defined as a single deposit that exceeds five (5) percent of the loan amount, must be sourced. Source the deposit of $[Redacted] from [Redacted] and $[Redacted] from [Redacted] for account #[Redacted]. |  |  |  | Reviewer Comment (2025-10-16): Noted Large deposit source. exception cleared.<br>Buyer Comment (2025-10-16): These are payroll deposits from his employer | 10/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300712 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide updated mortgage histories of property "[Redacted]" for the following mortgage loans reflecting on credit report.[Redacted]#[Redacted]. Verified through [Redacted] which is more than 45 days from the Credit Report date [Redacted]. Need VOM for[Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-10-29): Noted credit supplement. exception cleared<br>Buyer Comment (2025-10-28): no lates | 10/29/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300713 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2025-10-16): Received Signed BPC. Exception Cleared<br>Buyer Comment (2025-10-15): [Redacted | 10/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9502503 | [Redact] |  | 35300714 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide an updated note removing [Redacted] as an individual and adding only as trustee or provide her credit information. |  |  |  | Reviewer Comment (2025-12-10): Addendum provided.<br>Buyer Comment (2025-12-08): note add<br>Reviewer Comment (2025-11-03): Received Note, still pending Addendum to Note ([Redacted]) removing [Redacted] as an individual and adding only as trustee. Exception Remains<br>Buyer Comment (2025-10-31): note | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9239731 | [Redact] |  | 35300716 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file for [Redacted] |  |  |  | Reviewer Comment (2025-10-30): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2025-10-29): cert of good standing | 10/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9239731 | [Redact] |  | 35300717 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | CPL reflects incorrect zip code as [Redacted] for subject property however as per note correct zip code is [Redacted], required updated CPL with correct zip code |  |  |  | Reviewer Comment (2025-11-07): Received updated CPL Letter with correct Zip code as per note. Exception Cleared<br>Buyer Comment (2025-11-06): Closing protection letter | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9239731 | [Redact] |  | 35300718 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Appraisal report reflects zoning description as Deed restricted however as per guide, deed restricted properties are ineligible. |  |  |  | Reviewer Comment (2025-11-24): Deed restriction accepted.<br>Buyer Comment (2025-11-21): MS indicates exception not required as deed restriction is not on title<br>Reviewer Comment (2025-10-31): Section [Redacted] of the guidelines dated [Redacted] state properties with deed/resale restrictions are ineligible.<br>Buyer Comment (2025-10-29): per seller: As for the Deed restrictions from what I can find the was locked [Redacted] according to [Redacted]. The Collateral UW reviewed based on these guides. The guides dated [Redacted] and effective for locks [Redacted] and later, does not indicate deed restricted properties as ineligible. The deed restricted status is not listed in guides until the [Redacted] dated policy effective for locks dated [Redacted] and after. We should be ok for this loan unless there is evidence the loan was locked after the [Redacted] date. | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9239731 | [Redact] |  | 35300719 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | -DSCR calculation worksheet is missing in fie. |  |  |  | Reviewer Comment (2025-10-30): Received 1008 detailing DSCR calculation. Exception cleared.<br>Buyer Comment (2025-10-29): 1008 with dscr calc | 10/30/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9239731 | [Redact] |  | 35300720 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing Tax Cert verifying $[Redacted] / year in tax expenses. |  |  |  | Reviewer Comment (2025-11-24): Taxes used [Redacted]% of [Redacted] / [Redacted] (lower). calculated taxes $[Redacted] matches with lender calculated taxes. exception cleared<br>Buyer Comment (2025-11-20): Tax calculation | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9688973 | [Redact] |  | 35300722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-11-13): Received Certificate of Good Standing. Exception cleared.<br>Buyer Comment (2025-11-12): Certificate of good standing | 11/13/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9688973 | [Redact] |  | 35300723 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing for subject property. |  |  |  | Reviewer Comment (2025-11-25): Noted Vacation rental history and 12 months rental history with [Redacted. Exception cleared.<br>Buyer Comment (2025-11-21): Short term rental report<br>Reviewer Comment (2025-11-18): The guidelines require [Redacted] or [Redacted] report for short term income.<br>Buyer Comment (2025-11-14): Short term rental payments | 11/25/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9688973 | [Redact] |  | 35300724 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for [Redacted], a [Redacted] Company , [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-11-21): Fraud report is provided for business entity and guarantors. Exception cleared<br>Buyer Comment (2025-11-19): fraud report for guarantor<br>Reviewer Comment (2025-11-18): Received Fraud report for business entity still missing for Guarantor. Exception Remains<br>Buyer Comment (2025-11-14): business fraud report [Redacted | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9734324 | [Redact] |  | 35300729 |  | 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 covering a minimum of 6 months is required for the subject property. |  |  |  | Reviewer Comment (2025-12-03): Hazard Insurance is provided with [Redacted] months Rent loss coverage. Exception Cleared<br>Buyer Comment (2025-12-01): HOI<br>Reviewer Comment (2025-11-18): Per guideline "Rent loss insurance covering a minimum of 6 months is required for the subject property". Exception remains<br>Buyer Comment (2025-11-14): Per Lender: Good morning, Your underwriter reviewed and cleared the insurance documents to clear the loan for closing. Please check with your underwriter. Thank you. | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9848691 | [Redact] |  | 35300732 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing in the file, as per guide The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |  |  |  | Reviewer Comment (2025-11-24): DSCR Calculation Worksheet is provided in file reflecting DSCR ratio as [Redacted. Exception Cleared<br>Buyer Comment (2025-11-20): DSCR | 11/24/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9848691 | [Redact] |  | 35300733 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business funds of [Redacted] used for closing & reserves requirement. As per guide, borrower(s)/guarantor(s) own at least [Redacted]% of the business. The ownership percentage must be verified via CPA/Tax Preparer, Operating Agreement or equivalent and all non borrowing owners must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the funds. |  |  |  | Reviewer Comment (2025-11-24): As per guide, the ownership percentage must be verified via CPA/Tax Preparer or Operating Agreement, however OA reflects borrower owns [Redacted]% of business entity, and CPA is not mandatory. Exception Cleared<br>Buyer Comment (2025-11-20): OA | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9652903 | [Redact] |  | 35300734 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted], a [Redacted]. |  |  |  | Reviewer Comment (2025-11-19): Business fraud report is provided in file for the entity [Redacted], a [Redacted]. Exception cleared<br>Buyer Comment (2025-11-17): [Redacted] | 11/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9652903 | [Redact] |  | 35300736 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Require Articles of Organisation for "[Redacted], a [Redacted]" |  |  |  | Reviewer Comment (2025-11-24): Articles of Organisation for "[Redacted], a [Redacted]" is provided. Exception Cleared<br>Buyer Comment (2025-11-20): Articles of INC | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9652903 | [Redact] |  | 35300737 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Require Closing Protection Letter for "[Redacted], a [Redacted]" |  |  |  | Reviewer Comment (2025-11-18): Received Closing protection letter. Exception Cleared<br>Buyer Comment (2025-11-17): CPL | 11/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9652903 | [Redact] |  | 35300739 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require operating agreement for "[Redacted], a [Redacted]" |  |  |  | Reviewer Comment (2025-11-24): Operating agreement for "[Redacted], a [Redacted]" is provided. Exception Cleared<br>Buyer Comment (2025-11-20): Operating agreement for [Redacted] | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9652903 | [Redact] |  | 35300740 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement / Sales Contract require for "[Redacted]" |  |  |  | Reviewer Comment (2025-11-19): Purchase Agreement / Sales Contract provided for subject property.<br>Buyer Comment (2025-11-17): purchase contract | 11/19/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9693579 | [Redact] |  | 35300743 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | For the entity. |  |  |  | Reviewer Comment (2025-12-04): Received Fraud Report for business entity. Exception Cleared<br>Buyer Comment (2025-12-02): Business fraud report for [Redacted] | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9807904 | [Redact] |  | 35300745 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing in file. |  |  |  | Reviewer Comment (2025-12-02): Received DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-11-28): DSCR worksheet | 12/02/2025 |  |  | 1 C A D |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9807904 | [Redact] |  | 35300746 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Lease rent higher than market rent therefore as per guideline requirement when lease agreement reflects higher monthly rent than the appraisal, the lease amount up to [Redacted]% of market rent may be used for monthly gross income with two most recent months proof of receipt showing consecutive rental payments therefore used [Redacted]% of market rent however 2 months rent receipts are missing in file |  |  |  | Reviewer Comment (2025-12-02): Received 3 months Rent Deposited bank statement from [Redacted] to [Redacted]. Exception Cleared<br>Buyer Comment (2025-11-28): [Redacted] rent payment | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9858024 | [Redact] |  | 35300748 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrowers current address is [Redacted]mortgage [Redacted] #[Redacted], not in name of Borrower. [Redacted] and [Redacted] payments per mtg statement but mortgage amount $[Redacted] on [Redacted] paid by Borrower[Redacted] as per Bank statement and [Redacted] per Bank statement. 12 months per pay history by Non borrower [Redacted] from[Redacted]-[Redacted]. Missing payments from [Redacted]-current or an LOE for Borrowers living situation. |  |  |  | Reviewer Comment (2025-12-11): Noted. As per guide, all housing history is required for mortgages reflecting on credit report. All mortgages reflecting on credit report meets guide requirement. Exception cleared.<br>Buyer Comment (2025-12-09): LOX<br>Reviewer Comment (2025-12-04): Unable to understand documentation provided,<br>Buyer Comment (2025-12-02): mortgage stmt, settlement agreement and LOX | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9858024 | [Redact] |  | 35300750 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-02): Received CU Score less than [Redacted] CDA not require per Guideline. Exception Cleared<br>Buyer Comment (2025-12-01): UCDP | 12/02/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9858024 | [Redact] |  | 35300752 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | CPA letter is missing for Funds from Business Account #[Redacted]. |  |  |  | Reviewer Comment (2025-12-04): Received Corporate resolution and Articles of incorporation confirmed Borrower is [Redacted]% owner. Acceptable per Guideline. CPA not require. Exception Cleared<br>Buyer Comment (2025-12-02): [Redacted] [Redacted]% owner | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9858024 | [Redact] |  | 35300753 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing with DSCR ratio. |  |  |  | Reviewer Comment (2025-12-04): Received DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (2025-12-02): income worksheet | 12/04/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9858024 | [Redact] |  | 35300754 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing a Fraud Report. |  |  |  | Reviewer Comment (2025-12-02): Received Fraud Report Exception cleared<br>Buyer Comment (2025-12-01): Fraud report | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9896455 | [Redact] |  | 35300756 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is required. |  |  |  | Reviewer Comment (2025-12-01): Received Closing Protection letter. Exception Cleared<br>Buyer Comment (2025-11-28): CPL attached for review. Thank you | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9896455 | [Redact] |  | 35300757 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | [Redacted]- New loan Interest only [Redacted] payment per mortgage statement. Missing [Redacted] payment |  |  |  | Reviewer Comment (2025-12-05): Provided.<br>Buyer Comment (2025-12-03): attached for condition review | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9850047 | [Redact] |  | 35300759 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | As per guide, the loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |  |  |  | Reviewer Comment (2025-12-05): Received DSCR calculation worksheet. Exception Cleared<br>Buyer Comment (2025-12-03): Updated 1008 | 12/05/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9808466 | [Redact] |  | 35300762 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Note is missing in file stating Interest only. |  |  |  | Reviewer Comment (2025-12-09): Note is provided in file stating Interest only. Exception Cleared<br>Buyer Comment (2025-12-05): I/O note<br>Reviewer Comment (2025-11-18): Updated Note, PCCD require also Rate lock document shows Interest only Transaction. Exception Remains<br>Buyer Comment (2025-11-14): Per Lender - This is a fixed rate loan. - Please create and advise of any new exceptions based off Note being correct and CD,etc. incorrect. | 12/09/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D B A | N/A | N/A | No |
| [Redact] | 9808466 | [Redact] |  | 35300763 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | EV2 Informational |  |  |  | Buyer Comment (2025-11-05): Acknowledged non-material |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | N/A | N/A | Yes |
| [Redact] | 10086297 | [Redact] | [Redact] | 35311681 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-13): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2026-02-12): (Rate Lock) [Redacted] | 02/13/2026 |  |  | 1 A |  | [Redact] | Primary | Purchase | A | Non QM | Non QM | No |
| [Redact] | 10088958 | [Redact] | [Redact] | 35338455 |  | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. |  |  |  |  |  | Buyer Comment (2026-02-12): Waived on Rate Lock: Collateral cleared by [Redacted]<br>Seller Comment (2026-02-11): (Rate Lock) [Redacted] | 02/12/2026 |  |  | 1 A |  | [Redact] | Investment | Purchase | A | Exempt from ATR | Exempt from ATR | No |
| [Redact] | 9367625 | [Redact] |  | 35367753 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity. [Redacted] |  |  |  | Reviewer Comment (2025-10-15): Received Fraud report for the entity "[Redacted]" and associated the same accordingly. Exception Cleared.<br>Buyer Comment (2025-10-14): [Redacted] | 10/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9367625 | [Redact] |  | 35367754 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Spousal Consent form is missing in file. |  |  |  | Reviewer Comment (2025-12-22): Provided.<br>Buyer Comment (2025-12-22): Spousal consent<br>Reviewer Comment (2025-10-15): Amended Operating agreement received. however s per guide, Spousal Consent form is missing. A spousal consent form is a legal document used to obtain a spouse's agreement or approval for actions related to a married person's financial or business interests, particularly when those actions might affect the spouse's rights or obligations. It ensures that the spouse is aware of and agrees to the action being taken. Exception remains.<br>Buyer Comment (2025-10-14): [Redacted] | 12/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9367625 | [Redact] |  | 35367758 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided |  | Mortgage Payoff statement for subject property with [Redacted] is missing in file. |  |  |  | Reviewer Comment (2025-10-15): Received Mortgage Payoff statement for [Redacted] the same accordingly. Exception Cleared.<br>Buyer Comment (2025-10-14): Payoff | 10/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9848690 | [Redact] |  | 35367760 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for [Redacted], a [Redacted]. |  |  |  | Reviewer Comment (2025-12-16): Received Business entity Fraud Report. exception Cleared<br>Buyer Comment (2025-12-12): Fraud report | 12/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9848690 | [Redact] |  | 35367762 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is missing. |  |  |  | Reviewer Comment (2025-11-26): Provided.<br>Buyer Comment (2025-11-24): DSCR Calculation worksheet | 11/26/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9848690 | [Redact] |  | 35367763 |  | 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 covering a minimum of 6 months is required for the subject property. |  |  |  | Reviewer Comment (2025-11-20): Noted. email from insurance company subject has [Redacted for loss of use coverage. exception cleared.<br>Buyer Comment (2025-11-19): Loss of Use is included in the policy | 11/20/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9850334 | [Redact] |  | 35367764 |  | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines |  | Assignment of Leases/Rents missing in file. |  |  |  | Reviewer Comment (2025-11-24): Noted : Assignment of Leases/Rents exception cleared. | 11/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9850334 | [Redact] |  | 35367765 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Verification of housing history for the following mortgages reflecting on credit report are required until [Redacted]:<br> [Redacted] #[Redacted] #[Redacted]; [Redacted]/Serv #[Redacted] and [Redacted] #[Redacted].all these mortgages DLA reflects [Redacted]. |  |  |  | Reviewer Comment (2025-12-10): Provided Credit supplement reflects DLA of [Redacted]. Exception Cleared<br>Buyer Comment (2025-12-09): Please see attached<br>Reviewer Comment (2025-11-28): Received same Credit supplement, Require Verification for [Redacted] #[Redacted] #[Redacted]; [Redacted]/[Redacted] #[Redacted]and [Redacted] [Redacted] #[Redacted].all these mortgages DLA reflects [Redacted]. Exception Remains<br>Buyer Comment (2025-11-25): Please see attached | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9850334 | [Redact] |  | 35367768 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument for Subject Lien is missing in file. |  |  |  | Reviewer Comment (2025-11-24): Noted : Security Instrument. exception cleared.<br>Buyer Comment (2025-11-20): Security Instrument | 11/24/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9850334 | [Redact] |  | 35367769 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax certificate with annual Tax as $[Redacted] / $[Redacted] monthly is missing in file. |  |  |  | Reviewer Comment (2025-12-12): Tax cert and new DSCR calcs provided.<br>Buyer Comment (2025-12-12): Seller is stating they updated the subject PITIA to $[Redacted], see updated 1008 [Redacted]. Advise if we need anything additional<br>Reviewer Comment (2025-12-10): Again provided the same tax certificate, required updated tax certificate reflecting monthly amount of $[Redacted for subject property. Exception remains<br>Buyer Comment (2025-12-09): Please see attached | 12/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| [Redact] | 9861308 | [Redact] |  | 35367770 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Provided Business Purpose Certificate is signed and dated blank. Provide updated Business Purpose Certificate fully completed. |  |  |  | Reviewer Comment (2025-12-17): Notarized, Updated and completed [Redacted] received. Exception Cleared.<br>Buyer Comment (2025-12-14): [Redacted] | 12/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 9697697 | [Redact] |  | 35367774 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. |  |  |  | Reviewer Comment (2025-12-11): Received LOE from borrower with no foreclosures in the past. Exception Cleared.<br> Fraud report associated<br>Buyer Comment (2025-12-10): Borrower letter and mortgage statements showing no foreclosure or delinquency<br>Reviewer Comment (2025-12-05): Received Fraud Report for Borrower and Business entity added as Co-Borrower however High alert about Foreclosure not addressed by Lender. Exception Remains<br>Buyer Comment (2025-12-03): Fraud report with [Redacted] as borrower | 12/11/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9808470 | [Redact] |  | 35367777 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is not provided. |  |  |  | Reviewer Comment (2025-12-03): Received Fraud Report for borrower. Exception Cleared<br>Buyer Comment (2025-12-01): Fraud Guard<br>Reviewer Comment (2025-11-28): Received Fraud report summary however require full Copy of Fraud report. Exception Remains<br>Buyer Comment (2025-11-25): Fraud Report | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9808470 | [Redact] |  | 35367778 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | DSCR Calculation Worksheet is not provided. |  |  |  | Reviewer Comment (2025-12-08): 1008 with DSCR Calculation received. Exception cleared.<br>Buyer Comment (2025-12-04): final 1008 with rent included<br>Reviewer Comment (2025-12-03): Received worksheet Lender used $[Redacted] rent whereas Marker Rent is $[Redacted. Updated Worksheet require or Provide Evidence of $[Redacted Rent. Exception Remains<br>Buyer Comment (2025-12-01): 1008 with DSCR Calc<br>Reviewer Comment (2025-11-28): Received 1008 however only noted DSCR ration only however require DSCR calculation. Exception Remains<br>Buyer Comment (2025-11-25): 1008 | 12/08/2025 |  |  | 1 C A D |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9808470 | [Redact] |  | 35367779 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing protection letter is not provided. |  |  |  | Reviewer Comment (2025-11-28): Received Closing Protection letter for subject property. Exception Cleared<br>Buyer Comment (2025-11-25): CPL | 11/28/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9808470 | [Redact] |  | 35367780 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is not provided. |  |  |  | Reviewer Comment (2025-12-03): Received Fraud Report for borrower. Exception Cleared<br>Buyer Comment (2025-12-01): Fraud Report<br>Reviewer Comment (2025-11-28): Received Fraud report summary however require full Copy of Fraud report. Exception Remains<br>Buyer Comment (2025-11-25): Fraud Report | 12/03/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9808470 | [Redact] |  | 35367781 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | [Redacted] requires a 12-month housing history on the subject property, primary residence and all additional financed properties. Only the subject property and primary residence must be listed on the application and the housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. All payment histories must reflect [Redacted] measured from the credit report date. On the credit report date [Redacted], the existing mortgage(s) must be current, which means that no more than [Redacted] days have elapsed since the last paid installment date. Missing VOM for [Redacted] #[Redacted]. Credit Report reflects 4 months with DLA[Redacted]--[Redacted]. Bank Statement provided to show a payment made in [Redacted].<br>Also missing Verification of Rent for [Redacted]. For rental verification a standard VOR completed by a professional management company or [Redacted] months bank statements or canceled checks and a lease agreement to document the term and payment are required. 1003 reflects [Redacted] years of renting. |  |  |  | Reviewer Comment (2025-12-10): Rent free letter provided. Exception Cleared<br>Buyer Comment (2025-12-08): LOE- borrower stating lives rent free with husband.<br>Reviewer Comment (2025-12-03): Provide Rent Free letter as Borrower living Rent Free with non-Borrower. Exception Remains<br>Buyer Comment (2025-12-01): payment history<br>Buyer Comment (2025-12-01): Lender's response: [Redact] lease not in borrower name, does not apply. Lives rent free with husband. [Redacted] payment history also attached<br>Reviewer Comment (2025-11-28): Received Incomplete lease agreement for [Redacted] along with Pay history. Require Full signed Lease agreement. Additionally Received Deed for [Redacted confirmed Property Purchased in [Redacted], Require VOM for [Redacted to [Redacted]. Exception Remains<br>Buyer Comment (2025-11-25): Deed<br>Buyer Comment (2025-11-25): VOR<br>Buyer Comment (2025-11-25): Lease | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A |  | N/A | No |
| [Redact] | 9896620 | [Redact] |  | 35367783 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is required for entity [Redacted]. |  |  |  | Reviewer Comment (2025-12-08): Fraud report for entity "[Redacted]" received. Exception cleared.<br>Buyer Comment (2025-12-04): Updated [Redacted] with [Redacted]<br>Reviewer Comment (2025-12-03): Received Fraud Report for Other business unit, however Require for [Redacted]. Exception Remains<br>Buyer Comment (2025-12-01): fraud guard in entity | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9769313 | [Redact] |  | 35367786 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The fraud report provided is for the borrower "individually". Guides require a fraud report for the entity [Redacted]. |  |  |  | Reviewer Comment (2025-12-04): Received Business Fraud Report. Exception Cleared<br>Buyer Comment (2025-12-02): fraud rpt | 12/04/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9769313 | [Redact] |  | 35367787 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | On the credit report date the existing mortgage(s) must be current, which means that no more than 45 days have elapsed since the last paid installment date. Missing Verification of Mortgage for[Redacted] acct#[Redacted] and #[Redacted]. DLA are prior to Redacted] |  |  |  | Reviewer Comment (2025-12-30): Heloc account Bank of [Redacted] xxxx[Redacted] verified from [Redacted] - [Redacted] for [Redacted] months and [Redacted] xxxx[Redacted] paid till [Redacted] for [Redacted] month. exception cleared.<br>Buyer Comment (2025-12-30): credit supp<br>Reviewer Comment (2025-12-11): Noted. The request was for [Redacted] #[Redacted]and #[Redacted] and not [Redacted] payment. Credit report dated [Redacted] reflects payment for [Redacted. For mortgage account #[Redacted] we received statement that confirms the [Redacted] payment however HELOC account #[Redacted] does not specify the [Redacted5 payment that would meet guide requirement of within [Redacted] days of the credit report date. Provide VOM or Supporting documents that confirms [Redacted] mortgage payment for HELOC account. Exception remains.<br>Buyer Comment (2025-12-09): per seller: You were asking originally about the [Redacted] payment - please advise. We have provided documentation through [Redacted] to show no late payments on this account.<br>Reviewer Comment (2025-12-08): Received LOE regarding sept payment for #[Redacted] however this is not a sufficient evidence to support the payment made for [Redacted]. Provide either credit supplement or bank statement from which the amount was debited for the said loan #[Redacted] to support the Verification of Mortgage for [Redacted] payment. Exception remains.<br>Buyer Comment (2025-12-04): loe<br>Reviewer Comment (2025-12-04): Received Mortgage statement # [Redacted] for [Redacted] Payment Credit report noted [Redacted] Payment. for account # [Redacted] Statement does not shows Payment date it only noted next due date of [Redacted] per Credit report DLA is [Redacted which is not within [Redacted] days of Credit report date [Redacted] to meet look back requirement. Exception Remains<br>Buyer Comment (2025-12-02): mortgage statement #[Redacted]<br>Buyer Comment (2025-12-02): mortgage statement | 12/30/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9860182 | [Redact] |  | 35367789 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted].<br> Require updated title commitment or final title policy covering the loan amount of $[Redacted] |  |  |  | Reviewer Comment (2025-12-10): [Redacted] owner of public record reflects in LLC however borrower is refinancing the property individually. Exception Cleared<br>Reviewer Comment (2025-12-10): Proposed Insurer per title commitment and Vested name per Final Policy is in Business entity name whereas per note and security instrument loan vested in Individual borrower name, Exception Remains<br>Buyer Comment (2025-12-09): OWNER OF RECORD<br>Reviewer Comment (2025-12-05): Received Final title and Title commitment with correction address and Coverage amount covering the loan amount, however Proposed Insurer per title commitment and Vested name per Final Policy (short form) is in Business entity name whereas per note and security instrument loan vested in Individual borrower name, Exception Remains<br>Buyer Comment (2025-12-03): title<br>Buyer Comment (2025-12-03): TITLE POLICY | 12/10/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9860182 | [Redact] |  | 35367790 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Incorrect address reflecting in Title commitment. Title reflecting address as "[Redacted] Instead of "[Redacted]" |  |  |  | Reviewer Comment (2025-12-10): 1025 owner of public record reflects in LLC however borrower is refinancing the property individually. Also, provided title report reflects correct subject address with sufficient policy amount. Exception Cleared<br>Buyer Comment (2025-12-09): title<br>Buyer Comment (2025-12-09): owner of record<br>Buyer Comment (2025-12-09): per seller: please see the appraisal - Owner of Public Record is [Redacted]<br>Reviewer Comment (2025-12-05): Received Final title and Title commitment with correction address and Coverage amount covering the loan amount, however Proposed Insurer per title commitment and Vested name per Final Policy (short form) is in Business entity name whereas per note and security instrument loan vested in Individual borrower name, Exception Remains<br>Buyer Comment (2025-12-03): title | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9860182 | [Redact] |  | 35367791 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Incorrect address reflecting in CPL. CPL reflecting address as "[Redacted] Instead of "[Redacted]" |  |  |  | Reviewer Comment (2025-12-08): Received updated closing protection letter with proper address as per Note. Exception cleared.<br>Buyer Comment (2025-12-04): cpl | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9860182 | [Redact] |  | 35367792 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | On the credit report date the existing mortgage(s) must be current, which means that no more than 45 days have elapsed since the last paid installment date. Missing Verification of Mortgage #[Redacted] for [Redacted] and [Redacted] and [Redacted] and [Redacted]. |  |  |  | Reviewer Comment (2025-12-10): Credit supplement is provided in file for tradeline #[Redacted] with DLA [Redacted] and there is not late payments. Exception Cleared<br>Buyer Comment (2025-12-08): CREDIT SUPP<br>Buyer Comment (2025-12-08): Mortgage statements | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| [Redact] | 9808702 | [Redact] |  | 35367793 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Note & Final CD does not show Prepayment penalty, however "Rate lock" reflects a 36 month prepayment penalty. |  |  |  | Reviewer Comment (2025-12-10): Noted. Received Lender's response that they wish to reprice without PPP. Exception cleared.<br>Buyer Comment (2025-12-08): The lender wishes to reprice with no ppp. Please clear condition.<br>Reviewer Comment (2025-12-08): Provided Rate lock Agreement does not signed and does not confirmed Loan qualified with Prepayment terms or not. Lender to confirm Prepayment term. Per Final CD and Note does not have Prepayment terms but initial rate lock confirmation (doc ID [Redacted]) shows PPP Term of [Redacted] Years with [Redacted]% Fixed. Exception remains<br>Buyer Comment (2025-12-04): Seller response- the loan did not populate with the PPP information. can we change the loan program to remove the PPP?<br>Reviewer Comment (2025-12-01): Received Rate lock Agreement does not confirmed Loan qualified with Prepayment terms or not. Lender to confirm Prepayment term. Per Final CD and Note does not have Prepayment terms but initla rate lock confirmation (doc ID [Redacted]) shows PPP Term of 3 Years wtih [Redacted]% Fixed. Exception remains<br>Buyer Comment (2025-11-28): lock agreement | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9808702 | [Redact] |  | 35367794 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for [Redacted], a [Redacted]. |  |  |  | Reviewer Comment (2025-12-15): Received Fraud Report for Business Entity. Exception Cleared<br>Buyer Comment (2025-12-12): Business background check | 12/15/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9808706 | [Redact] |  | 35367796 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing for [Redacted], a [Redacted]. |  |  |  | Reviewer Comment (2025-12-16): Noted Fraud Report for [Redacted]. exception cleared<br>Buyer Comment (2025-12-12): [Redacted] | 12/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9808706 | [Redact] |  | 35367798 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Prepayment penalty - Note & Final CD does not show Prepayment penalty, however "Rate lock" reflects a [Redacted] month prepayment penalty. |  |  |  | Reviewer Comment (2025-12-10): Received lender response stating lender wishes to reprice with no PPP. Exception cleared.<br>Buyer Comment (2025-12-08): The lender wishes to reprice with no ppp. Please clear condition. | 12/10/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 9810304 | [Redact] |  | 35367802 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud report is required for business entity [Redacted] as per guideline. |  |  |  | Reviewer Comment (2025-12-18): Received Business entity Fraud Report. Exception Cleared<br>Buyer Comment (2025-12-17): OFAC for entity | 12/18/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| [Redact] | 9810304 | [Redact] |  | 35367803 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Subject note document is required with business entity of [Redacted]. |  |  |  | Reviewer Comment (2025-12-19): Noted corrected note with closing date matching the HUD-1 as [Redacted]. exception cleared<br>Buyer Comment (2025-12-18): Corrected Note<br>Reviewer Comment (2025-12-17): Note document provided signed with [Redacted] by member [Redacted] but the Note is dated [Redacted] and settlement date per HUD-1 is [Redacted]. exception remains.<br>Buyer Comment (2025-12-15): Note | 12/19/2025 |  |  | 1 D A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| [Redact] | 9810304 | [Redact] |  | 35367804 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Bid tape reflects vested in entity, Note and Security agreement reflects individually. Unable to ascertain intended vesting. |  |  |  | Reviewer Comment (2025-12-22): Noted correct Note and Security Instrument. exception cleared.<br>Buyer Comment (2025-12-19): Corrected note and security instrument<br>Reviewer Comment (2025-12-17): Note & Security Instrument is dated [Redacted] and settlement date per HUD-1 is [Redacted]. exception remains.<br>Buyer Comment (2025-12-16): Corrected Note and Mortgage under Entity Name | 12/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| [Redact] | 9979560 | [Redact] |  | 35654251 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement and Insurance Verification are missing for the REO property located at [Redacted]. |  |  |  | Reviewer Comment (2025-12-05): Received the Settlement Statement and Note, documenting the REO. (please understand our files do not commingle documents internally, they must be provided with each file. Thanks [Redacted])<br>Buyer Comment (2025-12-04): There was a simultaneous closing with this loan on the purchase of [Redacted] that you have the file on, but here is the HOI, final Settlement Statement, copy of the new Note and first payment letter. | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979561 | [Redact] |  | 35654262 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA Verification for property located at [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Received the HOA docs for [Redacted]<br>Buyer Comment (2025-12-05): HOA statement for [Redacted] | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979561 | [Redact] |  | 35654263 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing the HOA Verification for property located at [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Received the HOA verification for [Redacted]<br>Buyer Comment (2025-12-05): HOA statement [Redacted] | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979561 | [Redact] |  | 35654264 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing Mortgage Statement for property located at [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Received the settlement documents for the simultaneous closing.<br>Buyer Comment (2025-12-05): Copy of Note, 1st payment letter and Final settlement statement for the simultaneous purchase of [Redacted]. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 9979489 | [Redact] |  | 35654267 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Market Rent from Appraiser. Lease agreement was provided. For all investment transactions, a 1007 is always required regardless of whether rents are used to qualify. |  |  |  | Reviewer Comment (2025-12-19): Received the comparable rent schedule.<br>Buyer Comment (2025-12-19): uploaded | 12/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| [Redact] | 9979489 | [Redact] |  | 35654268 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the business purpose cert. |  |  |  | Reviewer Comment (2025-12-19): Received the [Redacted].<br>Buyer Comment (2025-12-19): uploaded | 12/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| [Redact] | 9979571 | [Redact] |  | 35654272 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2025-12-15): Received the signed initial CD. (system cleared)<br>Buyer Comment (2025-12-11): Loan Estimate issued [Redact] shows the rate lock. Please waive. | 12/15/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9979571 | [Redact] |  | 35654275 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-15): Received the signed initial CD. (system cleared)<br>Reviewer Comment (2025-12-12): [Redact] received [Redact] CD wet signed on [Redact]. The Initial CD provided was not received by borrower 3 business days prior to consummation date on [Redact].<br>Buyer Comment (2025-12-11): Initial CD | 12/15/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| [Redact] | 9979571 | [Redact] |  | 35654277 |  | 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 [Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-09): Sufficient Cure Provided At Closing |  | 12/09/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
| [Redact] | 9979620 | [Redact] |  | 35714339 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard policy for subject property missing in file. |  |  |  | Reviewer Comment (2025-12-24): Received the Hazard Policy.<br>Buyer Comment (2025-12-22): attached | 12/24/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| [Redact] | 10084947 | [Redact] |  | 35714354 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Taxes were increased on the CD dated [Redacted], with no valid change provided. |  |  |  | Reviewer Comment (2026-01-14): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-01-13): uploaded<br>Reviewer Comment (2026-01-08): [Redacted] received COC which does not have the date of change also, the reason provided change in loan amount is not valid as there seems to be no change in loan amount from initial LE to final CD. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-01-07): COC uploaded<br>Reviewer Comment (2025-12-31): [Redacted] received comment and COC stating loan amount change. However, the loan is constant from initial LE to Final CD. Kindly provide a valid COC as to why the transfer tax increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-12-30): Increase based off of loan amount change |  | 01/14/2026 |  | 2 C B |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 10084947 | [Redact] |  | 35714359 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee was added to the CD dated [Redacted], with no valid change provided. |  |  |  | Reviewer Comment (2025-12-31): [Redacted] upon review the purchase agreement states buyer will pay for survey.<br>Buyer Comment (2025-12-30): Purchase Contract, Section 5, lines 39-67. The most relevant part of this section is line 66 which confirms two things:<br> 1. The buyer was responsible for selecting and ordering the survey-without regard to any lender requirement.<br> 2. The buyer had not yet selected a vendor at time of initial disclosures and so no estimated cost was yet available.<br>Reviewer Comment (2025-12-26): [Redacted] received rebuttal comment. However, [Redacted] is unable to determine from the file whether the lender or title company requried the survey. If the lender required, the survey fee, then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-12-24): Survey fee paid to [Redacted]. Per servicing provider list, not a service provider and non affiliate of lender and does not fall under tolerance limits. | 12/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| [Redact] | 10084947 | [Redact] |  | 35714362 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Broker Contact Information |  |  |  | Reviewer Comment (2026-01-14): [Redacted] received corrected Letter of Explanation & Corrected Closing Disclosure. |  | 01/14/2026 |  | 2 B |  | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| [Redact] | 9979584 | [Redact] |  | 35714364 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. |  |  |  | Reviewer Comment (2025-12-31): Cleared. | 12/31/2025 |  |  | 1 B A |  | [Redact] | Primary | Purchase | B A | Non QM | Non QM | No |
| [Redact] | 9979575 | [Redact] |  | 35714375 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Closing Disclosure for sale of [Redacted] is not signed. Need signed Final Closing Disclosure to use for Cash to Close. |  |  |  | Reviewer Comment (2026-01-02): Signed HUD provided.<br>Buyer Comment (2025-12-30): uploaded | 01/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9979575 | [Redact] |  | 35714376 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Closing Disclosure for sale of [Redacted] is not signed. Need signed Final Closing Disclosure to use for Cash to Close. |  |  |  | Reviewer Comment (2026-01-02): Signed HUD provided<br>Buyer Comment (2025-12-30): uploaded | 01/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 9979575 | [Redact] |  | 35714377 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Closing Disclosure for sale of [Redacted] is not signed. Need signed Final Closing Disclosure to use for Cash to Close. |  |  |  | Reviewer Comment (2026-01-02): Received the assets<br>Buyer Comment (2025-12-30): uploaded | 01/02/2026 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| [Redact] | 9979575 | [Redact] |  | 35714378 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Closing Disclosure for sale of [Redacted] is not signed. Need signed Final Closing Disclosure to use for Cash to Close. |  |  |  | Reviewer Comment (2026-01-02): Received the assets<br>Buyer Comment (2025-12-30): uploaded | 01/02/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10084874 | [Redact] |  | 35714382 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. |  | Missing verification of employment obtained within 10 days of Note for wage income used to qualify. |  |  |  | Reviewer Comment (2026-01-07): VVOE received and associated in file; Exception cleared.<br>Buyer Comment (2026-01-06): VVOE attached | 01/07/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091833 | [Redact] |  | 35842382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax Certificate is missing in file for the subject property for $[Redacted]/year-$[Redacted]/month. |  |  |  | Reviewer Comment (2025-11-21): Provided tax certificate reflects tax amount of $[Redacted] with update 1003 which matches the DSCR ratio. Exception cleared<br>Buyer Comment (2025-11-19): Per Lender: please see corrected 1003 prop tax to match cert<br>Buyer Comment (2025-11-19): 1003<br>Reviewer Comment (2025-11-11): Receive same Tax cert which does match Lender used amount of $[Redacted]/Yearly or $[Redacted]/monthly. Exception Remains<br>Buyer Comment (2025-11-07): Property taxes | 11/21/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10091833 | [Redact] |  | 35842383 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  | Buyer Comment (2025-11-05): Acknowledged non-material EV2 |  |  | 11/05/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10091836 | [Redact] |  | 35842391 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Require Fraud report for business "[Redacted]" |  |  |  | Reviewer Comment (2025-12-05): Received Fraud Report for business entity. Exception Cleared<br>Buyer Comment (2025-12-03): [Redacted]<br>Reviewer Comment (2025-11-17): Separate Fraud report Require for Business entity, Name included In watchlist Not suffice the requirement. Fraud report from one of the "Business Fraud reports: [Redacted], [Redacted], Drive report, [Redacted]" Exception Remains<br>Buyer Comment (2025-11-13): Per Lender: Hello [Redacted] was ran and showing on pg 16 of Fraud Guard provided in original package. Please find attached<br>Buyer Comment (2025-11-13): Fraud Guard | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10091836 | [Redact] |  | 35842392 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note late charge percentage exceeds maximum per state. |  |  |  | Buyer Comment (2025-11-11): - Acknowledged non-material EV2 |  |  | 11/11/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A |  | N/A | No |
| [Redact] | 10091823 | [Redact] |  | 35842409 |  | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Lender Exception: Borrower not having primary housing history (1st in spouse name and 2nd is HELOC in both name with[Redacted] balance [Redacted] to present vs must document primary housing history.<br> Comp Factor: Credit Score [Redacted] points> minimum required [Redacted] ([Redacted]). Reserves exceeded requirement by [Redacted] months or more - [Redacted] months; Current primary home ownership [Redacted] years > [Redacted] years: Experienced Investor; DSCR [Redacted] > [Redacted]. Exception approved [Redacted].<br>Review for acceptability and downgrade consideration. |  |  |  | Reviewer Comment (2025-12-02): Received Rent Free letter signed by Both parties and it is Lender internal exception and not investor exception. Rent Free Borrower acceptable. Borrower is experience Investor.<br>Buyer Comment (2025-11-28): rent free letter from borrower<br>Buyer Comment (2025-11-28): rent free letters from spouse<br>Reviewer Comment (2025-11-24): As per guide, rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. Provided rent free letter is from borrower. Exception remains<br>Buyer Comment (2025-11-20): Was this reviewed to [Redacted] guides? The Lender exception in file is the Seller making an internal exception, not [Redacted]. Please add all exceptions that apply to [Redacted]/rental history guides in [Redacted]. [Redacted] is not making exceptions to their guides at this time | 12/02/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A |  | N/A | No |
| [Redact] | 10091787 | [Redact] |  | 35842436 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Tax Service Fee (Life Of Loan) was disclosed as $[Redacted] on initial LE and $[Redacted] on Final CD. No valid COC provided in file. Evidence of cure not provided in file. |  |  |  | Reviewer Comment (2025-11-10): [Redacted] received rebuttal comment suffice with the COC dated [Redacted].<br>Buyer Comment (2025-11-06): Per Lender: "this loan was initially disclosed on [Redacted] as a [Redacted]-year fixed saleable. On [Redacted] it was re-disclosed for a product change and locked to an [Redacted] Expanded. The COC for the LE is in the file we uploaded."([Redacted]) | 11/10/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091794 | [Redact] |  | 35842438 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-07): E-signed agreement received. Exception cleared<br>Buyer Comment (2025-11-05): Econsent | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10091809 | [Redact] |  | 35842439 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-07): E-signed Consent Agreement received. Exception Cleared<br>Buyer Comment (2025-11-06): E-Sign Consent Form | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | N/A | N/A | No |
| [Redact] | 10091814 | [Redact] |  | 35842441 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-12): E-sign Consent Agreement. Exception Cleared<br>Buyer Comment (2025-11-10): Econsent | 11/12/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091814 | [Redact] |  | 35842443 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report date is [Redacted] which is within 3 day of the note date [Redacted]. Provide Prior appraisal report which is more than 3 days prior to the note date along with delivery instructions. |  |  |  | Buyer Comment (2025-11-12): Acknowledged non material EV2 |  |  | 11/12/2025 | 2 B |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091789 | [Redact] |  | 35842445 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Required CPA letter to verify the business ownership percentage and expense ratio. |  |  |  | Reviewer Comment (2025-11-10): Received Business narrative and Business entity listing search with document date. Post close Verification acceptable Guideline. Borrower Business ownership verified from articles as only member noted. Exception Cleared<br>Buyer Comment (2025-11-06): Business Narrative<br>Reviewer Comment (2025-10-30): Noted. Received CPA letter dated [Redacted] and Business entity search verification last updated [Redacted] confirming borrower as the member of the business. These documents are old and therefore provide recent CPA letter that confirm the business ownership. Also provide borrower Business narrative that confirms the nature of the business and no. of employees engaged. Exception remains.<br>Buyer Comment (2025-10-29): CPA<br>Reviewer Comment (2025-10-24): Articles of Organization Confirm Borrower is Sole member which Prepared in [Redacted]. Business entity Search verification confirm Sole member as of [Redacted] which is 1 year old information. Provide Updated Business Entity search to confirm Current Ownership. Additionally Require Business narrative as same is missing. Expenses Ratio Requirement met. Exception Remains<br>Buyer Comment (2025-10-22): Per Lender: 3rd party documentation, from [Redacted] business entity shows there is only 1 principal owner, also articles of incorporation show [Redacted] is the only managing member. Per the [Redacted] Bank Statement guidelines, CPA Expense Ratio is only required for Option 3, Option 2 was used for expense ratio qualifying.<br>Buyer Comment (2025-10-22): LOE | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091789 | [Redact] |  | 35842446 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan was approved with an Originator Loan Designation of (NON-QM) but the required CPA letter was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2025-11-10): All open Income/Asset ATR exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-06): See Income Docs Missing exception for doc<br>Reviewer Comment (2025-10-30): Noted. Received CPA letter dated [Redacted] and Business entity search verification last updated [Redacted] confirming borrower as the member of the business. These documents are old and therefore provide recent CPA letter that confirm the business ownership. Also provide borrower Business narrative that confirms the nature of the business and no. of employees engaged. Exception remains.<br>Buyer Comment (2025-10-29): See Income Docs Missing for docs<br>Reviewer Comment (2025-10-24): Articles of Organization Confirm Borrower is Sole member which Prepared in [Redacted]. Business entity Search verification confirm Sole member as of [Redacted] which is 1 year old information. Provide Updated Business Entity search to confirm Current Ownership. Additionally Require Business narrative as same is missing. Expenses Ratio Requirement met. Exception Remains<br>Buyer Comment (2025-10-22): See Income Docs Missing for LOE | 11/10/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 10091789 | [Redact] |  | 35842447 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan was approved with an Originator Loan Designation of (NON-QM) but the required CPA letter was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2025-11-10): All open Income/Asset ATR exception has been cleared. Exception cleared<br>Buyer Comment (2025-11-06): See Income Docs Missing exception for doc<br>Reviewer Comment (2025-10-30): Noted. Received CPA letter dated [Redacted] and Business entity search verification last updated [Redacted] confirming borrower as the member of the business. These documents are old and therefore provide recent CPA letter that confirm the business ownership. Also provide borrower Business narrative that confirms the nature of the business and no. of employees engaged. Exception remains.<br>Buyer Comment (2025-10-29): See Income Docs Missing for docs<br>Reviewer Comment (2025-10-24): Articles of Organization Confirm Borrower is Sole member which Prepared in [Redacted]. Business entity Search verification confirm Sole member as of [Redacted] which is 1 year old information. Provide Updated Business Entity search to confirm Current Ownership. Additionally Require Business narrative as same is missing. Expenses Ratio Requirement met. Exception Remains<br>Buyer Comment (2025-10-22): See Income Docs Missing for LOE | 11/10/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091784 | [Redact] |  | 35842451 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-10-31): E-signed Consent Agreement associated<br>Buyer Comment (2025-10-29): Esign consent | 10/31/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091784 | [Redact] |  | 35842454 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Credit Code (First Lien Refinance Notice Not Provided) | [Redacted] Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  | Reviewer Comment (2025-11-17): Additional funds not provided at closing<br>Buyer Comment (2025-11-14): Please re-review - Per Lender: "We have confirmed with our compliance team - The requested from is only required when the refinance includes additional funds. This loan was a no cash out to the borrower. Please advise." | 11/17/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091784 | [Redact] |  | 35842455 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | New exception as result of documentation provided - E-signed Consent Accepted by borrower on [Redacted] whereas LE was E-signed on [Redacted] which is prior to E-signed consent accepted date. |  |  |  | Reviewer Comment (2025-11-06): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-11-05): Also, please see [Redacted] - The electronic tracking for [Redacted] shows disclosures were sent, Econsent was accepted and viewed/signed all on [Redacted] which is within 3 business days of application date of [Redacted]<br>Buyer Comment (2025-11-05): [Redacted] would be 3 business day - [Redacted] to [Redacted] is only 2 business days Please clear.<br>Reviewer Comment (2025-11-05): The consumer went through the eConsent process on [Redacted], the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [Redacted](e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-11-04): Please see attached with timestamps for [Redacted] - either co-borrower or borrower may acknowledge Econsent within 3 days for timely delivery of disclosures | 11/06/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091810 | [Redact] |  | 35842457 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-07): E-signed consent agreement received. Exception Cleared<br>Buyer Comment (2025-11-06): Econsent | 11/07/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | N/A | N/A | No |
| [Redact] | 10091810 | [Redact] |  | 35842458 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-11-03): Borrower acknowledge receipt at closing. Acknowledged as non-material. |  |  | 11/03/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | N/A | N/A | No |
| [Redact] | 10091810 | [Redact] |  | 35842459 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Not Certified by Lender |  |  |  | Reviewer Comment (2025-11-19): Project approval is provided in file and approved by Fannie Mae. Exception cleared<br>Buyer Comment (2025-11-17): Condo docs | 11/19/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | N/A | N/A | No |
| [Redact] | 10091791 | [Redact] |  | 35842460 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage statement is missing in file for [Redacted]. |  |  |  | Reviewer Comment (2025-11-17): Received HELOC agreement, statement . Lender used conservative [Redacted]% annual rate Of Credit limit $[Redacted] then noted [Redacted]% in agreement. Exception cleared<br>Buyer Comment (2025-11-13): Attached are copies of the note, mortgage and statement for the new HELOC.<br>Reviewer Comment (2025-11-11): Final application reflects $[Redacted] as mortgage payment for the New HELOC. Fraud report also reflects $[Redacted] New HELOC have been secured with REO property "[Redacted]", require supporting to verify the same. exception remains.<br>Buyer Comment (2025-11-10): Letter from borrower stating There is no mortgage statement as they did not have a mortgage. It was paid off. We did have their, taxes, insurance and lox of no mortgage. | 11/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091791 | [Redact] |  | 35842462 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-11-06): Acknowledged non-material EV2 |  |  | 11/06/2025 | 2 B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091791 | [Redact] |  | 35842464 |  | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing. |  |  |  | Reviewer Comment (2025-11-06): Sufficient Cure Provided At Closing |  | 11/06/2025 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091791 | [Redact] |  | 35842465 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing e-consent disclosure |  |  |  | Reviewer Comment (2025-11-13): E-signed Consent Agreement received. Exception Cleared<br>Buyer Comment (2025-11-12): Econsent | 11/13/2025 |  |  | 1 A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091800 | [Redact] |  | 35842466 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement not provided. |  |  |  | Reviewer Comment (2025-11-13): E-signed Consent agreement received. Exception cleared<br>Buyer Comment (2025-11-12): Econsent | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091800 | [Redact] |  | 35842468 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Buyer Comment (2025-11-13): Acknowledged non material EV2<br>Reviewer Comment (2025-11-13): Appraisal delivery noted Date of [Redacted] which is prior to report date of [Redacted]. Original appraisal require. Exception Remains<br>Buyer Comment (2025-11-12): Appraisal tracking history |  |  | 11/13/2025 | 2 B |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091800 | [Redact] |  | 35842469 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeowner Counseling Organizations not provided. |  |  |  | Reviewer Comment (2025-11-13): Homeowners counselling List disclosure received. Exception cleared<br>Buyer Comment (2025-11-12): Homeowners Counseling list | 11/13/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091800 | [Redact] |  | 35842470 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-11-13): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-11-12): Initial CD | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091800 | [Redact] |  | 35842472 |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Loan Program Info Disclosure is missing |  | Settlement Service Providers List not provided |  |  |  | Reviewer Comment (2025-11-14): Not provided.<br>Buyer Comment (2025-11-12): Per Lender: "We do not issue a list of providers (borrowers do not shop for services)." | 11/14/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091783 | [Redact] |  | 35842479 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require Validation by a third party that the business has been in operation for a minimum of two years and that the borrower had an ownership interest greater than 50% during that period of time is required. Third-party verification may include: <br> • Business license. <br> • Secretary of State filing. <br> • Letter from a regulatory agency, professional organization or applicable licensing bureau. <br> • CPA Letter/Licensed Tax Preparer/Licensed Tax Preparer - if the borrower owns less than [Redacted]% of the business, the CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership.<br>Require Business Narrative Document as per guidelines Completion of the [Redacted] Business Narrative Form is required. The narrative should include the description/profile of the business, including the size/scope and operating profile, location(s), number of employees/contractors, estimated cost of goods sold (if any), commercial or retail client base, etc.<br> ownership. |  |  |  | Reviewer Comment (2025-11-28): Received the [Redacted] verification, [Redacted] yrs, over [Redacted]% verified.<br>Buyer Comment (2025-11-25): SOS and VOE | 11/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091783 | [Redact] |  | 35842480 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | Require Validation by a third party that the business has been in operation for a minimum of two years and that the borrower had an ownership interest greater than [Redacted]% during that period of time is required. Third-party verification may include: <br> • Business license. <br> • Secretary of State filing. <br> • Letter from a regulatory agency, professional organization or applicable licensing bureau. <br> • CPA Letter/Licensed Tax Preparer/Licensed Tax Preparer - if the borrower owns less than [Redacted]% of the business, the CPA/Licensed Tax Preparer letter must be provided to document their percentage of ownership.<br>Require Business Narrative Document as per guidelines Completion of the [Redacted] Business Narrative Form is required. The narrative should include the description/profile of the business, including the size/scope and operating profile, location(s), number of employees/contractors, estimated cost of goods sold (if any), commercial or retail client base, etc.<br> ownership. |  |  |  | Reviewer Comment (2025-11-28): Received the [Redacted] verification, [Redacted] yrs, over [Redacted]% verified. | 11/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091783 | [Redact] |  | 35842483 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-28): Received the [Redacted] verification, [Redacted] yrs, over [Redacted]% verified. (system cleared) | 11/28/2025 |  |  | 1 B A C |  | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 10091783 | [Redact] |  | 35842484 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Insufficient income documentation the required CPA Letter/Licensed Tax Preparer/Licensed Tax Preparer and Business Narrative document required per Investor Guidelines was not provided causing the loan to waterfall through the ATR Testing. |  |  |  | Reviewer Comment (2025-11-28): Received the [Redacted] verification, [Redacted] yrs, over [Redacted]% verified. (system cleared) | 11/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091783 | [Redact] |  | 35842485 |  | Credit | System | General | System | 1003 Subject Address does not match Note address. |  | Require updated Title Commitment document with Subject Property Address City Name updated as "[Redacted]" as in the current Title document Doc ID [Redacted] Subject property address is Reflecting City name as "[Redacted]" However as per Note and Security Instrument and other documents Address is reflecting City name as "[Redacted]" |  |  |  | Reviewer Comment (2025-11-28): Received the Title, correcting the address.<br>Buyer Comment (2025-11-25): Title | 11/28/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091817 | [Redact] |  | 35842489 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Missing third party verification for [Redacted] <br>Credit related |  |  |  | Reviewer Comment (2025-11-18): Not required per [Redacted]/FNMA gls.<br>Buyer Comment (2025-11-14): U/W Explanation Third Party Verif | 11/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091817 | [Redact] |  | 35842490 |  | Credit | Missing Document | General | Missing Document | Missing Document: Award Letter / Continuance Letter not provided |  | Missing evidence of continuation, unable to ascertain what this insurance monthly deposit is for, Annuity or insurance claim or short term disability.<br>Credit related |  |  |  | Reviewer Comment (2025-11-21): Annuity payment is in the form of distribution of $[Redacted]from IRA plan documented. [Redacted] years continuance documented. exception cleared.<br>Reviewer Comment (2025-11-21): Cleared by overisite<br>Reviewer Comment (2025-11-21): 3 years continuance not required if income is received from insurance as Annuity. exception cleared.<br>Buyer Comment (2025-11-19): Award Letter/Continuance<br>Reviewer Comment (2025-11-18): Noted LOX, however, Require Confirmation of income time as deposit description noted Insurance monthly deposit. Unable to verify income type is for Annuity or insurance claim or short-term disability Exception Remains<br>Buyer Comment (2025-11-14): UW - Award Letter Explanation | 11/21/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091817 | [Redact] |  | 35842491 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification for [Redacted], Missing evidence of continuation, unable to ascertain what this insurance monthly deposit is for, Annuity or insurance claim or short term disability. <br>Compliance related |  |  |  | Reviewer Comment (2025-11-25): Annuity documented<br>Buyer Comment (2025-11-25): See atatched<br>Reviewer Comment (2025-11-25): revised issues: <br> 1.Per client FNMA section [Redacted] not required. Issue cleared <br>2. Still need ....We are looking for some type of third party verification for this non-self employed income stream [Redacted],<br>Buyer Comment (2025-11-25): Email being sent re: VOE. Per FNMA & [Redacted] guides: Guaranteed payments do not require verification w/10 days for less than [Redacted]% ownership.<br>Reviewer Comment (2025-11-24): Two issues: <br> 1. We are looking for some type of third party verification for this non-self employed income stream [Redacted],.<br> 2. Annuity. Annuity or insurance claim or short term disability. Need documentation other than monthly bank statement deposits to confirm continuance and what it is.<br>Buyer Comment (2025-11-24): The borrower is not S/E he owns [Redacted]%. guides state for W/E or S/E<br>Reviewer Comment (2025-11-21): Annuity payment is in the form of distribution of $[Redacted] from IRA plan documented. [Redacted] years continuance documented. however as per [Redacted] Expanded guidelines : For a self-employed borrower, the Seller must confirm the existence of the borrower's active business ([Redacted]) require<br> third party to be obtained either within 10 business days prior to the date of the note, or after the note date<br> but prior to loan purchase as per guide point [Redacted] (page 47) required. exception remains. | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091817 | [Redact] |  | 35842492 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-25): Documentation provided to clear these waterfalls.<br>Buyer Comment (2025-11-25): Please review | 11/25/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091817 | [Redact] |  | 35842493 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-25): Documentation provided to clear these waterfalls.<br>Buyer Comment (2025-11-25): Please review | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091824 | [Redact] |  | 35842494 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-11-17): E-signed Consent Agreement. Exception Cleared<br>Buyer Comment (2025-11-13): Econsent | 11/17/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A B | N/A | N/A | No |
| [Redact] | 10091824 | [Redact] |  | 35842496 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report date is [Redacted] which is within 3 day of the note date [Redacted]. |  |  |  | Reviewer Comment (2025-11-17): Timing waiver provided. Exception Cleared<br>Buyer Comment (2025-11-13): Appraisal acknowledgment | 11/17/2025 |  |  | 1 B A |  | [Redact] | Investment | Purchase | C A B | N/A | N/A | No |
| [Redact] | 10091806 | [Redact] |  | 35842497 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-11-19): E-Sign Consent Agreement is provided in file within 3 days of initial application date. Exception Cleared<br>Buyer Comment (2025-11-17): Esign consent | 11/19/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091806 | [Redact] |  | 35842499 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit Fee was disclosed as $[Redacted] on Initial LE and $[Redacted] on Final CD. Missing Coc. Evidence of cure not provided in file. |  |  |  | Reviewer Comment (2025-11-24): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-11-21): LOE, PCCD, refund check and label |  | 11/24/2025 |  | 2 C B |  | [Redact] | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091799 | [Redact] |  | 35842503 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | The age of credit documentation used to determine eligibility must be no more than [Redacted] days old from the Note Date. Credit report date [Redacted] more than [Redacted] days from Note date. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted]. | [Redacted]vs [Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact] | Reviewer Comment (2025-11-25): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (2025-11-25): [Redacted] exception, we have reviewed and acknowledged the same.<br>Buyer Comment (2025-11-25): Exception from [Redacted].<br>Reviewer Comment (2025-11-19): An updated credit report date is required. The lender provided an LOE asking for an exception to the 90 day report. A credit supplement was provided for the mortgage.<br>Buyer Comment (2025-11-17): CRpt Update<br>Buyer Comment (2025-11-17): LOE CRpt |  |  | 11/25/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091807 | [Redact] |  | 35842505 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CDA is required with 1 appraisal but was not provided. Missing CDA. |  |  |  | Reviewer Comment (2025-11-25): CDA is provided in file. Exception Cleared<br>Buyer Comment (2025-11-21): CDA | 11/25/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091782 | [Redact] |  | 35842509 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[Redacted], Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-02): Received updated HOI Coverage amount covering the RCE amount. Exception Cleared<br>Buyer Comment (2025-11-28): Increased coverage sufficient to cover RCE value<br>Reviewer Comment (2025-11-11): The coverage amount is short $[Redacted] due to the RCE. Policy is not guaranteed replacement cost.<br>Buyer Comment (2025-11-07): Email from agent confirming full replacement cost<br>Reviewer Comment (2025-10-21): Received RCE for $[Redacted] which is more than the dwelling coverage. Provide HOI policy with Coverage equal to or more than the rebuild cost. Exception remains.<br>Buyer Comment (2025-10-20): RCE showing sufficient coverage | 12/02/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091782 | [Redact] |  | 35842511 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent date is [Redacted] which is after the Loan Estimate date of [Redacted]. |  |  |  | Reviewer Comment (2025-10-20): [Redacted] received e-consent.<br>Buyer Comment (2025-10-17): Econsent | 10/20/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842513 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Require Fraud Report as it is missing in file. |  |  |  | Reviewer Comment (2025-10-31): Received Fraud Report for Borrower. Exception cleared<br>Buyer Comment (2025-10-30): FR | 10/31/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842514 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require HOA document amounting to $[Redacted] per month for property [Redacted] as it is missing in file. |  |  |  | Reviewer Comment (2025-10-31): Received HOA Verification. Exception Cleared<br>Buyer Comment (2025-10-30): Appraisal | 10/31/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842515 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | For Borrower Wage Income is qualified by Average Monthly Income however Bonus Income is qualified by 1 Year([Redacted]) + YTD average Income hence require one year - [Redacted] Tax Transcript (1040) and/or W-2 Transcript for the year [Redacted]. |  |  |  | Reviewer Comment (2025-11-21): Transcript [Redacted] noted. exception cleared.<br>Buyer Comment (2025-11-19): Transcripts | 11/21/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842517 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Subject property City Name in Appraisal document is reflecting as "[Redacted]" [Redacted][Redact]" |  |  |  | Reviewer Comment (2025-11-18): Updated appraisal report is provided in file with correct city name. Exception cleared<br>Buyer Comment (2025-11-14): Appraisal<br>Reviewer Comment (2025-10-31): Noted 1004D with correct Unit #[Redacted] & City name. however require appraisal report with correct Unit xxxx[Redacted] instead of #[Redacted]. exception remains.<br>Buyer Comment (2025-10-30): 1004D | 11/18/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842519 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was not signed by borrower and can be excluded from testing if it was never provided to the borrower. In order to exclude Incomplete Closing Disclosure from testing, please provide attestation from lender referencing the specific Closing Disclosure that was not provided to the borrower. | Final CD dated [Redacted] is missing page 5 |  |  |  | Reviewer Comment (2025-11-17): [Redacted] received full executed final CD<br>Buyer Comment (2025-11-14): Final complete CD with all 6 pages | 11/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842520 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes.<br> CDA is required to be submitted on all loan transactions that don't include two appraisals. |  |  |  | Reviewer Comment (2025-12-01): Received CDA with correct Property address. Exception cleared<br>Buyer Comment (2025-11-26): CDA<br>Reviewer Comment (2025-11-21): CDA address ([Redacted]) not matching with Note Address ([Redacted]). City name not correct on CDA report. exception remains.<br>Buyer Comment (2025-11-19): CDA<br>Reviewer Comment (2025-11-18): Required updated CDA with correct city name as [Redacted]. Exception remains<br>Buyer Comment (2025-11-18): CDA | 12/01/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842521 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-10-30): Acknowledged non material EV2 |  |  | 10/30/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842522 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Per doc in file appraisal provided [Redacted] and per 1004 report date [Redacted]. |  |  |  | Buyer Comment (2025-10-30): Acknowledged non material EV2 |  |  | 10/30/2025 | 2 B |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091795 | [Redact] |  | 35842523 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | [Redacted], No History Provided property is free and clear-however verification is missing as fraud is missing. |  |  |  | Reviewer Comment (2025-11-13): As per fraud report, there was a mortgage for $[Redacted] for the property "[Redacted]" which was paid on [Redacted] as per the credit report. Hence no mortgage history available since then. Exception cleared.<br>Buyer Comment (2025-11-12): Please see fraud report - Per lender: The Drive report shows No MTG payments; why isn't that proof of no mortgage and that the borrower owns the property free and clear? | 11/13/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091798 | [Redact] |  | 35842526 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was disclosed as $[Redacted] on Initial LE and $[Redacted] on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2025-11-19): [Redacted] received itemization document.<br>Buyer Comment (2025-11-17): Per lender: TRID Fee Tolerance - APR Worksheet SEE ATTACHED TRRID FEE TOLERANCE DETAILING THE FEES CHARGED ON THE INITIAL LE - NO TRANSFER TAXES LISTED. $[Redacted] IS THE FORECLOSURE-PREVENTION FEE | 11/19/2025 |  |  | 1 C A |  | [Redact] | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091798 | [Redact] |  | 35842528 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-21): Received the Desk Review, no other findings resulted.<br>Buyer Comment (2025-11-20): CDA with [Redacted] variance<br>Buyer Comment (2025-11-20): Field review | 11/21/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Cash-out - Other | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091788 | [Redact] |  | 35842530 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-12-03): E consent provided.<br>Buyer Comment (2025-12-02): Econsent | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091788 | [Redact] |  | 35842531 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Tax Service fee (Life of Loan) Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-05): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-04): Comment from Lender: PCCD, COPY OF REFUND TO BORROWER TO INCLUDE THE $[Redacted] AND $[Redacted] TOTALING $[Redacted] AND FEDEX LABEL TO BORROWER |  | 12/05/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091788 | [Redact] |  | 35842532 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Wire/Funding/Disbursement Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-05): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-04): Cure docs uploaded. |  | 12/05/2025 |  | 2 C B |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091788 | [Redact] |  | 35842534 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Mortgage/Rental History 0 X [Redacted] X [Redacted] months, verified by credit report, VOM; or proof of rent payments by VOR or copy of lease agreement and 24 months canceled checks. \*\*Exception to allow no verifiable rental history for months [Redacted]. Most recent [Redacted] months satisfactory housing history verified via mortgage reporting on credit. No formal lease agreement for previous 14 months rental history, rent payments made via [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-03): Investor exception provided.<br>Buyer Comment (2025-12-03): Exception approval |  |  | 12/03/2025 | 2 B |  | [Redact] | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091816 | [Redact] |  | 35842536 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate Subject Address does not match Note address. Missing Unit #[Redacted]. |  |  |  | Reviewer Comment (2025-12-03): Received Updated Flood cert with Correction in Property address. Exception Cleared<br>Buyer Comment (2025-12-03): Updated Flood Cert<br>Buyer Comment (2025-12-02): Disregard<br>Buyer Comment (2025-12-01): Property is not in a flood zone. Please remove this condition | 12/03/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091816 | [Redact] |  | 35842537 |  | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [Redact] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. |  |  |  |  | Reviewer Comment (2025-12-01): Right not to close Disclosure provided. Exception Cleared<br>Buyer Comment (2025-11-26): Right not to Close disclosure | 12/01/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091816 | [Redact] |  | 35842539 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was disclosed as [Redacted] on Initial LE and $[Redacted] on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2025-12-02): [Redacted received rebuttal suffice<br>Buyer Comment (2025-12-01): Per Lender: "This was reviewed by our Compliance Manager who stated it was disclosed on [Redacted on the Initial CD. The branch received the initial title work on [Redacted which showed a survey was required to remove the survey exception and disclosed the additional fee the same day. No cure is due"<br>Reviewer Comment (2025-11-26): [Redacted is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2025-11-25): [Redacted stated Additional service necessary based on title report/property type | 12/02/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| [Redact] | 10091842 | [Redact] |  | 35842541 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-12-05): E-signed Consent agreement received. Exception Cleared<br>Buyer Comment (2025-12-03): Econsent | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Non QM | N/A | No |
| [Redact] | 10091841 | [Redact] |  | 35842546 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in the file for both the borrowers. |  |  |  | Reviewer Comment (2025-12-19): Received Fraud Report for both borrower. Exception Cleared<br>Buyer Comment (2025-12-18): Fraud rpt | 12/19/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091821 | [Redact] |  | 35842549 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require bank statements from the organization providing the retirement income for the purpose continuance requirement is met. Unable to document existence of any remaining assets |  |  |  | Reviewer Comment (2025-12-17): Pension Income received from Government confirmed from bank statement for the month of [Redacted and [Redacted]. As per guide, follows FNMA guide. Current receipt of income reflecting on account statement suffice the guide requirement. exception cleared.<br>Buyer Comment (2025-12-14): CoBorrower Retirement | 12/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091821 | [Redact] |  | 35842550 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | Reviewer Comment (2025-12-16): Received Mortgage Payoff statement. exception Cleared<br>Buyer Comment (2025-12-12): Payoff quote | 12/16/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091821 | [Redact] |  | 35842551 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | [Redacted] Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  | Reviewer Comment (2025-12-16): Received Net Benefit worksheet. Exception Cleared<br>Buyer Comment (2025-12-12): Benefit worksheet | 12/16/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091821 | [Redact] |  | 35842552 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-17): Pension Income received from Government confirmed from bank statement for the month of [Redacted] and [Redacted. As per guide, follows FNMA guide. Current receipt of income reflecting on account statement suffice the guide requirement. exception cleared.<br>Buyer Comment (2025-12-14): CoBorrower Retirement | 12/17/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
| [Redact] | 10091821 | [Redact] |  | 35842553 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-17): Pension Income received from Government confirmed from bank statement for the month of [Redacted and [Redacted]. As per guide, follows FNMA guide. Current receipt of income reflecting on account statement suffice the guide requirement. exception cleared.<br>Buyer Comment (2025-12-14): CoBorrower Retirement | 12/17/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091848 | [Redact] |  | 35842554 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | As per guide, stock account must be documented by the two most recent consecutive months' account statements, [Redacted] #[Redacted]. |  |  |  | Reviewer Comment (2025-12-22): Received [Redacted] statement for [Redacted] # [Redacted]. Exception Cleared<br>Buyer Comment (2025-12-20): [Redacted] [Redacted] statement. [Redacted] is in original file.<br>Reviewer Comment (2025-12-16): Require two months consecutive [Redacted] xxxx[Redacted] statement but provided for different account xxxx[Redacted]. exception remains.<br>Buyer Comment (2025-12-15): Additional [Redacted] statement | 12/22/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Non QM | N/A | No |
| [Redact] | 10091797 | [Redact] |  | 35842556 |  | Compliance | Compliance | State Compliance | State Defect | [Redact] Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | [Redacted] Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  | Reviewer Comment (2025-12-02): Received [Redacted] Borrower Interest worksheet. Exception Cleared<br>Buyer Comment (2025-11-28): Borrower Interest worksheet | 12/02/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091837 | [Redact] |  | 35842560 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Earlier receipt of E-Sign Consent not provided. |  |  |  | Reviewer Comment (2025-12-17): [Redacted] received e-consent dated [Redacted]<br>Buyer Comment (2025-12-16): Esign consent | 12/17/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091847 | [Redact] |  | 35842564 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis was disclosed as $[Redacted] on Initial LE and $[Redacted] on Final CD. No valid COC or evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-16): [Redacted] received valid COC document<br>Buyer Comment (2025-12-15): LOX re: added CDA fee | 12/16/2025 |  |  | 1 C A |  | [Redact] | 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 | No |
| [Redact] | 10091792 | [Redact] |  | 35842566 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-11-24): Acknowledged non material EV2<br>Reviewer Comment (2025-11-24): Acknowledgement of receipt of appraisal is missing in file. Exception remains<br>Buyer Comment (2025-11-20): Delivery for appraisal |  |  | 11/24/2025 | 2 B |  | [Redact] | Investment | Purchase | C B A | Non QM | N/A | No |
| [Redact] | 10091792 | [Redact] |  | 35842567 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | For Property '[Redacted]" mortgage statement has been marked missing for $[Redacted]. |  |  |  | Reviewer Comment (2025-12-16): Received updated 1003 with correction HELOC Payment as per Statement. Exception Cleared<br>Buyer Comment (2025-12-12): Updated 1003<br>Reviewer Comment (2025-12-11): Provided HELOC statement reflects P&I as "[Redacted]" however as per 1003 P&I of REO property is $[Redacted], required updated mortgage statement OR required updated 1003 reflecting P&I as $[Redacted]. Exception remains<br>Buyer Comment (2025-12-10): HELOC Statement<br>Reviewer Comment (2025-12-03): Received the memo, does not support the requirement for a mortgage statement or settle statement.<br>Buyer Comment (2025-12-01): Mortgage Payment b/d<br>Reviewer Comment (2025-12-01): Provide document to support the rate and Outstanding balance used for qualification. Exception Remains<br>Buyer Comment (2025-11-26): mortgage stmt | 12/16/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Non QM | N/A | No |
| [Redact] | 10091792 | [Redact] |  | 35842568 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by ($[Redacted]). Provide updated policy reflecting minimum coverage of ($[Redacted]) OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-12-01): Coverage is sufficient.<br>Buyer Comment (2025-11-26): Please note the insurance binder has coverage for the 2 dwellings for total coverage of $[Redacted] ($[Redacted] for main building and $[Redacted] for guest coverage. | 12/01/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C B A | Non QM | N/A | No |
| [Redact] | 10091796 | [Redact] |  | 35842570 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-05): [Redacted] received itemixation document<br>Buyer Comment (2025-12-04): Per lender $[Redacted] fee was disclosed under Recording fees on LE. see breakdown. | 12/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
| [Redact] | 10091796 | [Redact] |  | 35842571 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent agreement missing in file. |  |  |  | Reviewer Comment (2025-12-05): Received E-signed Consent agreement. Exception Cleared<br>Buyer Comment (2025-12-03): Esign Consent | 12/05/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091796 | [Redact] |  | 35842573 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | Appraisal value of $[Redacted] was not supported by CDA value $[Redacted]. [Redacted]% variance. |  |  |  | Reviewer Comment (2025-12-09): The field review value matches the appraised value. Cleared.<br>Buyer Comment (2025-12-09): Field review shows on Page one #[Redacted] opinion of market value accurate as of the review date. I have circled in yellow<br>Reviewer Comment (2025-12-09): Exception cleared in error. Appraisal value of $[Redacted] was not supported by CDA value $[Redacted]. [Redacted]% variance. Exception remains<br>Buyer Comment (2025-12-08): Field review | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091796 | [Redact] |  | 35842574 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | Per Appraisal Rural zoned property which is ineligible per guidelines. |  |  |  | Reviewer Comment (2025-12-09): Noted. As per guide, Rural zoned property are ineligible for [Redacted] loans only. Exception cleared.<br>Buyer Comment (2025-12-05): Per investor guidelines, rural zoned properties are ineligible on [Redacted] loans only. | 12/09/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091796 | [Redact] |  | 35842576 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | New Exception as result of documentation Provide. Borrower accepted consent on [Redacted] which is not within 3 business days of application date of [Redacted]. |  |  |  | Reviewer Comment (2025-12-15): [Redacted] received disclosures summary for LE sent via mail.<br>Buyer Comment (2025-12-12): Per Lender: "LOAN HISTORY SHOWING DISCLOSURES MAILED TO BORROWER [Redacted]" | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091796 | [Redact] |  | 35842578 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ | Delayed financing. |  |  |  | Reviewer Comment (2025-12-15): Delayed financing allowed per guides, GUides state delayed is treated as R/T refi. | 12/15/2025 |  |  | 1 A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842581 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | CPA Letter, and Third Party Verification is missing for [Redacted]. |  |  |  | Reviewer Comment (2025-10-22): CPA letter provided.<br>Buyer Comment (2025-10-22): Percentage of ownership<br>Reviewer Comment (2025-10-21): VOE provided.<br>Buyer Comment (2025-10-21): VOE | 10/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842585 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Buyer Comment (2025-10-17): Acknowledged as non-material - Loan closed [Redacted]. |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842586 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | EV2 informational |  |  |  | Buyer Comment (2025-10-17): Acknowledged as non-material - Non-QM transaction. |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent is dated [Redacted] which is after the Initial Loan Estimate dated [Redacted]. |  |  |  | Reviewer Comment (2025-11-25): [Redacted] received earliest e-consent dated [Redacted].<br>Buyer Comment (2025-11-24): Per lender: Hi [Redacted],<br>When disclosures are sent electronically, electronic consent from the borrower is required by the third RESPA day. [Redacted], [Redacted], and Guild-observed holidays are excluded.<br>Reviewer Comment (2025-10-23): [Redacted] received e-consent dated [Redacted] however, the consent seems not for the current transaction as it is received in [Redacted]. Please provide e-consent for current transaction or provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application.<br>Buyer Comment (2025-10-21): Econsent tracking | 11/25/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842590 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-23): All Open Income/Asset ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-10-22): see voe and cpa email | 10/23/2025 |  |  | 1 B A C |  | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-10-23): All Open Income/Asset ATR Exception has been cleared. Exception Cleared<br>Buyer Comment (2025-10-22): see voe and cpa email | 10/23/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842592 |  | Property | Property - Appraisal | Property Eligibility - Zoning and Usage | Property - Appraisal | Valuation Issue: Subject use is illegal for zoning. |  | Secondary Appraisal reflects Rural Characteristics and is zoned R-[Redacted] [Redacted] Residential. Guidelines state rural properties are not eligible. Please review and confirm acceptance. |  |  |  | Reviewer Comment (2025-10-22): Zoning is not residential.<br>Buyer Comment (2025-10-18): See Key bottom left. [Redacted] is for Moderate Density Residential District. No mention of rural. | 10/22/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842593 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines |  | LENDER EXCEPTION provided due to Non-Arms Length transaction. Construction loan refinance in which the borrower has acted as builder are not eligible for purchase. Exception to allow the borrower's construction / home building business as the builder on subject transaction. Review for acceptance and downgrade consideration. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | [Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-10-21): Lender exception provided.<br>Buyer Comment (2025-10-18): [Redacted] approved exception for NAL transaction |  |  | 10/21/2025 | 2 C B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091790 | [Redact] |  | 35842594 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Buyer Comment (2025-10-17): Borrower acknowledged receipt at closing. Acknowledged as non-material. |  |  | 10/17/2025 | 2 B |  | [Redact] | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| [Redact] | 10091805 | [Redact] |  | 35842597 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-Sign consent dated [Redacted] not delivered to borrower within 3 business days of application date. |  |  |  | Reviewer Comment (2025-12-07): [Redacted] received e-consent.<br>Buyer Comment (2025-12-05): initial e-consent [Redacted] | 12/07/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091805 | [Redact] |  | 35842599 |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | Lender Exception associated - Exception requested for Mortgage/Rental Verification.<br> Borrower staying on Rent at [Redacted] (Rent $[Redacted])[Redacted] to [Redacted] from VOR Doc ID [Redacted] - [Redacted] months <br> Previously staying on Rent/paying mortgage to Ex-Spouse at [Redacted] (Rent $[Redacted]) [Redacted] to [Redacted] as per VOR/VOM Doc Id [Redacted] - checks associated from [Redacted] - [Redacted]<br> From [Redacted] - [Redacted] as per LOX - Borrower's rental history Doc ID [Redacted] - [Redacted] months Borrower and Ex-Spouse made [Redacted] Mortgage Payments out of joint bank account, The Loan was in Ex-Spouse's name, thus no mortgage history reflecting on credit report. 6 months bank statement. total [Redacted] months housing history can be verified. Review for acceptability and downgrade consideration. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | [Redacted] vs[Redacted] | [Redact],Aggregator<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact]<br>[Redact] | Reviewer Comment (2025-12-05): Investor accepts and agrees to waive wit compensating factors.<br>Buyer Comment (2025-12-03): Exception approval mortgage/rental history |  |  | 12/05/2025 | 2 C B |  | [Redact] | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091803 | [Redact] |  | 35842600 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-03): Copy of the secondary valuation is provided. Exception Cleared<br>Buyer Comment (2025-12-02): CDA | 12/03/2025 |  |  | 1 D A |  | [Redact] | Primary | Refinance - Rate/Term | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091803 | [Redact] |  | 35842602 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2025-11-21): Appraisal email delivery provided to borrower within 3 days of closing. exception cleared.<br>Buyer Comment (2025-11-19): Appraisal delivery | 11/21/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091803 | [Redact] |  | 35842604 |  | Credit | Credit | Credit Eligibility | Credit | Credit Issue: Judgments on credit/title report were not satisfied at closing per loan approval. |  | Unknown Judgment dated [Redacted] Case #[Redacted] per Title. |  |  |  | Reviewer Comment (2025-12-03): [Redacted] mentioned in the attached docket is not one and the same as our borrower[Redacted]. Our borrower, [Redacted], ID attached. Please note that there are no judgments recorded against the property and borrower. This is simply a result of a name search that pulled a similar named individual. Exception Cleared.<br>Buyer Comment (2025-12-01): [Redacted] mentioned in the attached docket is not one and the same as our borrower [Redacted]. See attached docket that shows[Redacted] is the named individual in the paternity /child custody suit with address of [Redacted]. Our borrower, [Redacted], ID attached. Please note that there are no judgments recorded against the property and furthermore, no monetary judgment associated with that case. This is simply a result of a name search that pulled a similar named individual. Thanks,<br>Reviewer Comment (2025-11-26): Received same title document. Title Search document dated [Redacted] noted Judgement with case ID #[Redacted] which recorded on [Redacted], Exception Remains<br>Buyer Comment (2025-11-24): title with no judgement | 12/03/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | D A C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842605 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VA Verification of Benefits document is missing for Borrower: [Redacted]. |  |  |  | Reviewer Comment (2025-11-24): Noted award letter. exception cleared.<br>Buyer Comment (2025-11-20): Pension | 11/24/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842606 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-11-26): Cleared.<br>Buyer Comment (2025-11-25): CDA<br>Buyer Comment (2025-11-25): See Section [Redacted]<br>Buyer Comment (2025-11-25): Per guide Review Appraisal is acceptable in lieu of CDA<br>Reviewer Comment (2025-11-25): As per guide, Collateral Desktop Analysis (CDA) is required to be submitted on all loan transactions that don't include two appraisals. Exception Remains<br>Buyer Comment (2025-11-21): Review appraisal is in file | 11/26/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842609 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Bank statements for the most recent two consecutive months is required and only one month statement is provided for account # [Redacted]. |  |  |  | Reviewer Comment (2025-11-25): As per AUS/LP, One month bank statement is sufficient. Exception Cleared<br>Buyer Comment (2025-11-21): Bank stmt | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842610 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Max limit allowed as per guideline is [Redacted]% however lender has approved the loan with [Redacted]% which is exceeding the guideline limit. |  |  |  | Reviewer Comment (2025-11-25): Income of [Redacted] for [Redacted] Service Related Disability has been grossed up by [Redacted]% as per provided recent AUS to inline the DTI ratio. Required updated 1008/1003 with correct DTI and income information. Exception remains<br>Buyer Comment (2025-11-21): DTI | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842611 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Max limit allowed as per guideline is [Redacted]% however lender has approved the loan with [Redacted]% which is exceeding the guideline limit. |  |  |  | Reviewer Comment (2025-11-25): Income of [Redacted] for [Redacted] Service Related Disability has been grossed up by [Redacted]% as per provided recent AUS to inline the DTI ratio. Required updated 1008/1003 with correct DTI and income information. Exception remains<br>Buyer Comment (2025-11-24): see uploaded docs | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842613 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan was approved with an Originator Loan Designation of Safe Harbor QM (APOR); but the DTI ratio exceeds the maximum allowed by the Investor guidelines causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2025-11-25): Income of [Redacted] for [Redacted] Service Related Disability has been grossed up by [Redacted]% as per provided recent AUS to inline the DTI ratio. Required updated 1008/1003 with correct DTI and income information. Exception remains<br>Buyer Comment (2025-11-24): see uploaded docs | 11/25/2025 |  |  | 1 B A C |  | [Redact] | Second Home | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842614 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to (DTI exceeding guideline limit). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-11-25): Income of [Redacted] for [Redacted] Service Related Disability has been grossed up by [Redacted]% as per provided recent AUS to inline the DTI ratio. Required updated 1008/1003 with correct DTI and income information. Exception remains<br>Buyer Comment (2025-11-24): see uploaded docs | 11/25/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091802 | [Redact] |  | 35842615 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines states full doc is [Redacted] year documentation. . Only [Redacted] year was provided. Please provide [Redacted] income documentation for both borrowers. |  |  |  | Reviewer Comment (2025-12-01): 1099s provided.<br>Buyer Comment (2025-12-01): [Redacted] iuncome | 12/01/2025 |  |  | 1 A |  | [Redact] | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091804 | [Redact] |  | 35842616 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement is missing in the file for both the borrowers. |  |  |  | Reviewer Comment (2025-12-09): Received E-Sign Consent Agreement. Exception cleared.<br>Buyer Comment (2025-12-05): Per lender: LOAN CONFIRMATIION - INITIAL LOAN DOCUMENTS MAILED TO BORROWER [Redacted].<br>Reviewer Comment (2025-11-24): E-Sign Consent date should be within 3 days of application date but the e-sign process summary reflects consent date as [Redacted] which is not within 3 days of application date [Redacted]. exception remains.<br>Buyer Comment (2025-11-20): Esign consent | 12/09/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| [Redact] | 10091780 | [Redact] |  | 35842618 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Require updated Hazard Insurance document with Subject property address updated as "[Redacted]" as In current Hazard Insurance document subject address is mentioned as "[Redacted]" instead of "[Redacted]" direction [Redacted] is missing as given in Note, Security and other documents. |  |  |  | Reviewer Comment (2025-12-05): Received updated HOI with correction in Property address per Note. Exception Cleared<br>Buyer Comment (2025-12-03): HOI | 12/05/2025 |  |  | 1 C A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| [Redact] | 10091780 | [Redact] |  | 35842619 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-12-02): Received appraisal delivery Evidence. Timing Waiver already available. Exception cleared<br>Buyer Comment (2025-11-28): Appraisal acknowledgment | 12/02/2025 |  |  | 1 B A |  | [Redact] | Investment | Refinance - Cash-out - Other | C A B | N/A | N/A | No |
| [Redact] | 10091839 | [Redact] |  | 35842621 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Require Signed initial 1003 document on Page [Redacted] section 9 as the current initial 1003 document is not signed. |  |  |  | Reviewer Comment (2025-12-09): Page [Redacted] of initial 1003 with LO signature received. Exception cleared.<br>Buyer Comment (2025-12-05): 1003 signature | 12/09/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091830 | [Redact] |  | 35842623 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Require E-sign Consent Agreement as it is missing in file. |  |  |  | Reviewer Comment (2025-12-01): E-signed Consent Agreement is received. Exception cleared<br>Buyer Comment (2025-11-28): Econsent | 12/01/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091830 | [Redact] |  | 35842625 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Require 1008 document as it is missing in file. |  |  |  | Reviewer Comment (2025-12-05): Received 1008 and associated accordingly. Exception cleared.<br>Buyer Comment (2025-12-04): 1008 | 12/05/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091830 | [Redact] |  | 35842626 |  | Credit | Guideline | General | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ | CD reflects [Redacted] cash received which meets guides; however, a [Redacted] curtailment was made on at closing. [Redacted] Principal Curtailments , Confirm acceptance of [Redacted] curtailment |  |  |  | Reviewer Comment (2025-12-09): CD with principal reduction provided.<br>Buyer Comment (2025-12-05): Curtailment | 12/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redact] | 10091813 | [Redact] |  | 35842628 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided |  | Require complete Rider - 1-4 family, has missing pages. |  |  |  | Reviewer Comment (2025-12-08): Received Rider - [Redacted] Family. Exception cleared.<br>Buyer Comment (2025-12-04): [Redacted] family rider | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | D A C | Non QM | N/A | No |
| [Redact] | 10091813 | [Redact] |  | 35842629 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes.<br> As per guidelines Collateral Desktop Analysis (CDA) is required to be submitted on all loan transactions that don't include two appraisals. |  |  |  | Reviewer Comment (2025-12-08): Received CDA and uploaded accordingly. Exception cleared.<br>Buyer Comment (2025-12-05): cda | 12/08/2025 |  |  | 1 D A |  | [Redact] | Investment | Purchase | D A C | Non QM | N/A | No |
| [Redact] | 10091825 | [Redact] |  | 35842630 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___<br> ___<br> ___<br> ___<br> ___<br> ___ | [Redacted]- require supporting document for "Other Payment " $[Redacted].<br>[Redacted] - require supporting document for "Other Payment " $[Redacted].<br>[Redacted] - require supporting document for "Other Payment " $[Redacted].<br>[Redacted] - require supporting document for "Other Payment " $[Redacted]. |  |  |  | Reviewer Comment (2025-12-08): LOE and docs provided.<br>Buyer Comment (2025-12-04): [Redacted]<br>Buyer Comment (2025-12-04): LOX | 12/08/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Non QM | N/A | No |
| [Redact] | 10091825 | [Redact] |  | 35842632 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance document is missing with the subject property address, hence insurance premium amount has been updated as per final 1003. |  |  |  | Reviewer Comment (2025-12-12): Noted Hazard Policy exception cleared.<br>Buyer Comment (2025-12-11): HAZARD INSURANCE BINDER<br>Reviewer Comment (2025-12-08): Provided Hazard insurance document does not reflects premium amount. Exception remains<br>Buyer Comment (2025-12-05): Flood Insurance<br>Buyer Comment (2025-12-05): HOI<br>Reviewer Comment (2025-12-04): Disregarded per recent comment. Exception Remains<br>Buyer Comment (2025-12-02): Please disregard notes. Pushing back to Lender to provide updated policy.<br>Buyer Comment (2025-12-02): HOI document is in the original file[Redacted]. | 12/12/2025 |  |  | 1 C A |  | [Redact] | Investment | Purchase | C A | Non QM | N/A | No |
| [Redact] | 10091822 | [Redact] |  | 35842639 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-Sign Consent Agreement is missing in the file. |  |  |  | Reviewer Comment (2025-12-08): E-Sign Consent received. Exception cleared<br>Buyer Comment (2025-12-04): e-consent | 12/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091846 | [Redact] |  | 35842641 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-12-08): E-Sign Consent Agreement received. Exception cleared.<br>Buyer Comment (2025-12-04): e-sign | 12/08/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| [Redact] | 10091831 | [Redact] |  | 35842645 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Acknowledgement of receipt of appraisal is missing in file. |  |  |  | Reviewer Comment (2025-12-09): Acknowledgement of receipt of appraisal report received. Exception cleared.<br>Buyer Comment (2025-12-08): Proof of delivery | 12/09/2025 |  |  | 1 B A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 10091831 | [Redact] |  | 35842646 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-09): Received CDA. Exception cleared.<br>Buyer Comment (2025-12-08): Clear capital CDA | 12/09/2025 |  |  | 1 D A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 10091831 | [Redact] |  | 35842647 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | On the Hazard Insurance policy is missing the unit number ("[Redacted]"), while the subject property address correctly includes it as [Redacted]. |  |  |  | Reviewer Comment (2025-12-09): Received updated HOI policy with updated address with unit #. Exception cleared.<br>Buyer Comment (2025-12-08): Updated HOI with unit number added to address | 12/09/2025 |  |  | 1 C A |  | [Redact] | Second Home | Purchase | D A C B | Non QM | Non QM | No |
| [Redact] | 10091808 | [Redact] |  | 35842649 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-12-11): Received E-Sign Consent Agreement. Exception cleared<br>Buyer Comment (2025-12-10): Econsent and tracking | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10091820 | [Redact] |  | 35842653 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-12-11): Appraisal delivery evidence received. Exception cleared.<br>Buyer Comment (2025-12-10): Appraisal tracking | 12/11/2025 |  |  | 1 B A |  | [Redact] | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| [Redact] | 10091838 | [Redact] |  | 35842654 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-12-11): E-sign consent provided. Exception cleared.<br>Buyer Comment (2025-12-10): Esign consent | 12/11/2025 |  |  | 1 C A |  | [Redact] | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| [Redact] | 10084833 | [Redact] |  | 35928974 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2026-01-16): Appraisal delivery received and captured in file; Exception cleared.<br>Buyer Comment (2026-01-15): Appraisal sent [Redacted] | 01/16/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10084833 | [Redact] |  | 35928975 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be ""non-compliant"" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (2026-01-16): Appraisal delivery received and captured in file; Exception cleared.<br>Buyer Comment (2026-01-15): Appraisal sent [Redacted] | 01/16/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10084833 | [Redact] |  | 35928976 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Loan considered to be ""non-compliant"" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (2026-01-16): Appraisal delivery received and captured in file; Exception cleared.<br>Buyer Comment (2026-01-15): Appraisal sent [Redacted] | 01/16/2026 |  |  | 1 C A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10084833 | [Redact] |  | 35928977 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2026-01-13): COC received to valid rate lock; Exception cleared.<br>Buyer Comment (2026-01-12): Rate locked on [Redacted] | 01/13/2026 |  |  | 1 B A |  | [Redact] | Primary | Purchase | C A | Non QM | Non QM | No |
| [Redact] | 10084833 | [Redact] |  | 35928980 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points of $[Redacted] was added to LE dated [Redacted], with no valid change provided. |  |  |  | Reviewer Comment (2026-01-13): [Redacted] received valid changed circumstance.<br>Buyer Comment (2026-01-12): COC attached | 01/13/2026 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 10084833 | [Redact] |  | 35928981 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Taxes were increased on the final CD dated [Redacted], with no valid change provided. |  |  |  | Reviewer Comment (2026-01-13): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-01-12): Final CD [Redacted] has a lender credit of $[Redacted] for the increase of Transfer Tax. | 01/13/2026 |  |  | 1 C A |  | [Redact] | 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 |
| [Redact] | 10084833 | [Redact] |  | 35928984 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-13): Sufficient Cure Provided At Closing |  | 01/13/2026 |  | 1 A |  | [Redact] | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |

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## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 2 - Rating Agency Grades Report**

![](ex99_001.gif)

**Rating Agency Grades**

**Run Date - 3/6/2026 1:34:39 PM**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| [Redact] | 9104732 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9104666 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9099688 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9115054 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9104616 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9122518 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153194 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153200 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153202 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153205 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153206 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153229 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153231 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153235 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9153236 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9104790 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9186369 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9203982 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9216861 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9240360 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | C | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9242917 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9242957 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9302778 | [Redact] | [Redact] |  | D |  | B | B | B | B | B | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9248776 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9362518 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9365612 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9367826 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9370625 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9371239 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9386003 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9389647 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9447887 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9613836 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9498500 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9499985 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9500704 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9500980 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9501868 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9205053 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9502466 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9502490 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9502512 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9502510 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9502694 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9502699 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9897429 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9504089 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9551035 | [Redact] | [Redact] |  | D |  | C | C | C | C | C | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9389397 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9554410 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9554854 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9555236 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9389400 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9555500 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9603400 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9606021 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9606073 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9606072 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9220267 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9608835 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9389634 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9389636 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9389633 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9389619 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9389644 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9389621 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9606107 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9615795 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9652908 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9688976 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9693385 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9693585 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9693853 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9693987 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9694493 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9694498 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9694518 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9694617 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A B | C | B |  | A | A | A | A | A | A B | B |  |
| [Redact] | 9694754 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9694758 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9697629 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9698115 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9698251 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9731873 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9731872 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9499996 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9499997 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9500000 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9732148 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9698057 | [Redact] |  |  | B |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9732721 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9733845 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10047039 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9735275 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | C | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9735283 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9769232 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9769302 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9769475 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9769481 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9802884 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9803034 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9804556 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9804558 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9804818 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9805427 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9805429 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9806548 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808472 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9808475 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808709 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808758 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808806 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9768748 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9768759 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9768730 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9768758 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9768745 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9768753 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808959 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9809153 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9809163 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9809936 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9810051 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9810292 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9810293 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9843813 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844270 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9844271 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9844303 | [Redact] | [Redact] |  | D |  | B | B | B | B | B | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9844557 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844560 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844673 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9844717 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844719 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844724 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844723 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9845322 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9845828 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9845835 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9845837 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9845850 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9845891 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9845893 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9768755 | [Redact] |  |  | D |  | C | C | C | C | C | A | D | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9768742 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9768760 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9768746 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9847912 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9847914 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9848351 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9848353 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9251444 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9848782 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9850050 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9850116 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9850314 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9851224 | [Redact] | [Redact] |  | D |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9851226 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9851227 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9851567 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9851859 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9852712 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9852722 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9852723 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9852732 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9855032 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9855033 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9855044 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9855067 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9855865 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9856751 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9856869 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9856882 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9856876 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9856874 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9857097 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9768776 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9858027 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859561 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859566 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860181 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9860188 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860185 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9856759 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9856775 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9856780 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9856782 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860459 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | D | D | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9860460 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860519 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9860507 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9860518 | [Redact] | [Redact] |  | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9804069 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804070 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803923 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803924 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803926 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803927 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803928 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | B |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803929 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803930 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803931 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804071 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803932 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803933 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803934 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803936 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803938 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803939 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803940 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803942 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803943 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803944 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803945 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803946 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803947 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803948 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803950 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803951 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803952 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803953 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803954 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803955 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803956 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803957 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803958 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803959 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803960 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803961 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803962 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803963 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803964 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803965 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803966 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803967 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803968 | [Redact] |  |  | D |  |  |  |  |  |  | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803969 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803970 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803971 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803972 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803973 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803974 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | B |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803976 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803977 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803978 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803979 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803980 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803981 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803982 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803984 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803985 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803986 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803987 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803988 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803989 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803990 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803991 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803993 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803994 | [Redact] |  |  | D |  |  |  |  |  |  | D | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803995 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803996 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803997 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9803998 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9803999 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804000 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804001 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804002 | [Redact] |  |  | C |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804003 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804004 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804005 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804006 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804008 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804009 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804010 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804011 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804012 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804013 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804015 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804017 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804018 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804019 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804020 | [Redact] |  |  | B |  |  |  |  |  |  | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| [Redact] | 9804021 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804022 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804023 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804024 | [Redact] |  |  | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804025 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804026 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804027 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804028 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804029 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804031 | [Redact] |  |  | A |  |  |  |  |  |  | C | C | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804032 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804033 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804034 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804035 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804036 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804037 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804038 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804039 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804040 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804041 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804042 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804043 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804044 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804045 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804046 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804047 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| [Redact] | 9804048 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804049 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804050 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804051 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804052 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804053 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804055 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804056 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804057 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804060 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804061 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804062 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804063 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | B | B |  |
| [Redact] | 9804064 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804065 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804066 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804067 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9804068 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9860573 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860576 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860961 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9860975 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9861256 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9861310 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9861425 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9861427 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9861428 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9861659 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10065123 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9861660 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9498133 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9862195 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9862198 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9862200 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9896462 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9896457 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9896604 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9896605 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9896621 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9896648 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9896652 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9897044 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859788 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859825 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859808 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859818 | [Redact] |  |  | A |  | B | C | B | C | B | A | B C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859810 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859807 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859791 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859802 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859803 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859800 | [Redact] |  |  | C D |  | B | B | B | B | B | A | C D | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9859816 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859781 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859798 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859824 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859787 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859806 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859826 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859811 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859812 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859814 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859822 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859793 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9898545 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9898547 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9898621 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9898638 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9898640 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9898645 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9914959 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9915108 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9915111 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9915112 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9915507 | [Redact] | [Redact] |  | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9915499 | [Redact] | [Redact] |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9915497 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9915519 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9915521 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9915648 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917550 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9917551 | [Redact] | [Redact] |  | D |  | B | B | B | B | B | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917629 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917633 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9917628 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9917636 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9917644 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917676 | [Redact] | [Redact] |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9917678 | [Redact] | [Redact] |  | D |  | B | B | B | B | B | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917737 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9917738 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917969 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9917990 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9918063 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9918064 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9918065 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9918066 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9918170 | [Redact] | [Redact] |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9918166 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9951053 | [Redact] | [Redact] |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9953377 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9953380 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9953630 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9953804 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9953805 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9953829 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954312 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954491 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954492 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954584 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954656 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859796 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859797 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859829 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859799 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859767 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9859782 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859773 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859794 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9859784 | [Redact] |  |  | C |  | B | B | B | B | B | C | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859769 | [Redact] |  |  | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859777 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859779 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859789 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859776 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859820 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859827 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9768729 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9956980 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9956985 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9957021 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9957075 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9957911 | [Redact] | [Redact] |  | D |  | B | B | B | B | B | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9957899 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9957891 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9957880 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859809 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859771 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9977656 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9978968 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9978960 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9978976 | [Redact] | [Redact] |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9979021 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979024 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859780 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 9859772 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859775 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9501876 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9613076 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9769235 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9804487 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9736682 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9983337 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9983339 | [Redact] | [Redact] |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9859830 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9859783 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9768761 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9896373 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9896387 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9859813 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9844380 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954502 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954507 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954497 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954500 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954495 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954508 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954503 | [Redact] |  |  | C |  | B | B | B | B | B | D | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954514 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954499 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954513 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954509 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954515 | [Redact] |  |  | C |  | C | C | C | C | C | D | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954504 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954523 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954501 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954511 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9954522 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954520 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954512 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954506 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954517 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954505 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9954518 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9502503 | [Redact] |  |  | C D |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9239731 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9688973 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9734324 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9848691 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9652903 | [Redact] |  |  | D |  | A | A | A | A | A | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9693579 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9807904 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9858024 | [Redact] |  |  | C D |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9896455 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9850047 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808466 | [Redact] |  |  | A |  | D | D | D | D | D | A | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10086297 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10088958 | [Redact] | [Redact] |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9367625 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9848690 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9850334 | [Redact] |  |  | D |  | A | A | A | A | A | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9861308 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9697697 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808470 | [Redact] |  |  | C D |  | A | A | A | A | A | A | C D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9896620 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9769313 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9860182 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808702 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9808706 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9810304 | [Redact] |  |  | C |  | D | D | D | D | D | A | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9849209 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979560 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979561 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979489 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979571 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979619 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9694918 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9979620 | [Redact] |  |  | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 10084785 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 10084710 | [Redact] |  |  | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| [Redact] | 9979572 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979428 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10084947 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 9979584 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10084685 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 9979575 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10084874 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091833 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091836 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091823 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091787 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091794 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091809 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091814 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091789 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091784 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091810 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091791 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091800 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091835 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091783 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091817 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091824 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091806 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091799 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10091807 | [Redact] |  |  | A |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091782 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091795 | [Redact] |  |  | C |  | C | C | C | C | C | D | D | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091812 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091798 | [Redact] |  |  | A |  | C | C | C | C | C | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091788 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091816 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091842 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091845 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091841 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091821 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091848 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091797 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091837 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091847 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091792 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091796 | [Redact] |  |  | C |  | C | C | C | C | C | C | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091790 | [Redact] |  |  | C |  | C | C | C | C | C | C | C | B |  | B | B | B | B | B | A | B |  |
| [Redact] | 10091805 | [Redact] |  |  | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| [Redact] | 10091803 | [Redact] |  |  | C |  | B | B | B | B | B | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091802 | [Redact] |  |  | C |  | C | C | C | C | C | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091804 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091780 | [Redact] |  |  | C |  | B | B | B | B | B | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091839 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091830 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091813 | [Redact] |  |  | C |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091825 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091822 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091846 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091831 | [Redact] |  |  | C |  | B | B | B | B | B | D | D | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091843 | [Redact] |  |  | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091808 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091820 | [Redact] |  |  | A |  | B | B | B | B | B | A | B | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10091838 | [Redact] |  |  | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| [Redact] | 10084833 | [Redact] |  |  | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 3 - Data Compare Report**

![](ex99_001.gif)

**Data Compare (Non-Ignored)**

**Run Date - 3/4/2026 3:32:55 PM** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redact] | 9104732 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9104732 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.66 | 1.57 | Verified | DSCR= Market Rents [Redact]/ PITIA of [Redact] (Taxes [Redact] + HOI [Redact] + P&I [Redact])==1.57 |
| [Redact] | 9104666 | [Redact] |  |  | Property Type | Multi Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9104666 | [Redact] |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| [Redact] | 9104666 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9104666 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.32 | Verified | DSCR used Market Rent [Redact] (used 75% of ADU) /PITIA of [Redact](Taxes[Redact] + HOI [Redact] + P&I [Redact])=1.63 |
| [Redact] | 9099688 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9115054 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9115054 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.40 | 1.35 | Verified | Field value reflects source document |
| [Redact] | 9104616 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9122518 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender did not include flood insurance in PITIA |
| [Redact] | 9122518 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.24 | 1.14 | Verified | Lender did not include flood insurance in PITIA |
| [Redact] | 9153200 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9153202 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 2.01 | 1.99 | Verified | Field value reflects source document |
| [Redact] | 9153206 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9104790 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9186369 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9186369 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9242917 | [Redact] |  | [Redact] | Doc Type | 12mo Bank Statement | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9242917 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9302778 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9302778 | [Redact] |  | [Redact] | Original CLTV | 35.461 | 32.60631 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9302778 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 39 | 43.96307 | Verified | 1008 DTI 43.495% |
| [Redact] | 9248776 | [Redact] |  |  | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| [Redact] | 9371239 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 43.735 | 20.84636 | Verified | Updated as per the provided information from the 1003. |
| [Redact] | 9386003 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9386003 | [Redact] |  | [Redact] | Representative FICO | 720 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9389647 | [Redact] |  | [Redact] | Representative FICO | 722 | 724 | Verified | Unable to verify due to missing information |
| [Redact] | 9389647 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9389647 | [Redact] |  | [Redact] | Original CLTV | 50 | 37.52345 | Verified | Unable to verify due to missing information |
| [Redact] | 9389647 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 6.174 | 11.8507 | Verified | 1008 DTI 11.851% |
| [Redact] | 9447887 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9447887 | [Redact] |  | [Redact] | Doc Type | 12mo Bank Statement | 24mo Bank Statement | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
| [Redact] | 9447887 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 9.327 | 17.54155 | Verified | 1008 DTI 17.536% |
| [Redact] | 9613836 | [Redact] |  | [Redact] | Representative FICO | 660 | 654 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9613836 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9498500 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9499985 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9500704 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9500704 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.69 | 30.55428 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9502466 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9502490 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9502490 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9502490 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9502512 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9502510 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9504089 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9551035 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9554410 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9554410 | [Redact] |  | [Redact] | Representative FICO | 787 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9554410 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 5.419 | 39.60124 | Verified | 1008 DTI 39.601% |
| [Redact] | 9554854 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9555236 | [Redact] |  | [Redact] | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9389400 | [Redact] |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9389400 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9389400 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9389400 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9389400 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9555500 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 41.006 | 35.9229 | Verified | Lender qualified with a higher PITIA payment for the primary than documented in file |
| [Redact] | 9606021 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9606021 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 44.783 | 41.5065 | Verified | 1008 DTI 43.020% |
| [Redact] | 9606072 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9608835 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9608835 | [Redact] |  | [Redact] | Original CLTV | 82.524 | 84.27184 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9608835 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9389621 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9615795 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.071 | 30.64618 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9688976 | [Redact] |  | [Redact] | Representative FICO | 777 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9688976 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9688976 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9688976 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.176 | 48.60516 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9693385 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9693585 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9693853 | [Redact] |  | [Redact] | Original CLTV | 75 | 73.66071 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9693853 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 25.864 | 45.43466 | Verified | 1008 DTI 45.42% |
| [Redact] | 9693987 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9693987 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9693987 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9694518 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9694758 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9697629 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9698115 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9698115 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 35.41 | 32.04241 | Verified | 1008 DTI 32.04% |
| [Redact] | 9731873 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9499996 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9499996 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9499996 | [Redact] |  |  | Original LTV | 83.96 | 80 | Verified | Unable to verify due to missing information |
| [Redact] | 9499996 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9499996 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9499997 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Unable to verify due to missing information |
| [Redact] | 9499997 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9499997 | [Redact] |  |  | Original LTV | 87.77 | 80 | Verified | Unable to verify due to missing information |
| [Redact] | 9499997 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9500000 | [Redact] |  |  | Representative FICO | 754 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9500000 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9500000 | [Redact] |  |  | LTV Valuation Value | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9732148 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9698057 | [Redact] |  |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9732721 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9733845 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9733845 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31.071 | 37.01176 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10047039 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9735275 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9735275 | [Redact] |  | [Redact] | Representative FICO | 790 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9735275 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9769475 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9769481 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9769481 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9802884 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9803034 | [Redact] |  | [Redact] | Representative FICO | 792 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803034 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9803034 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9804556 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9804556 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804556 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.28 | 31.84781 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9804558 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9804558 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 33.543 | 37.15606 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 9805427 | [Redact] |  | [Redact] | Representative FICO | 723 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9805427 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32 | 23.90522 | Verified | 1008 DTI 23.904% |
| [Redact] | 9805429 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9805429 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9806548 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9806548 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 36.309 | 29.19575 | Verified | 1008 DTI 29.427% |
| [Redact] | 9808472 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9808472 | [Redact] |  | [Redact] | Representative FICO | 799 | 785 | Verified | Unable to verify due to missing information |
| [Redact] | 9808475 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9808709 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.786 | 18.29887 | Verified | 1008 DTI 19.814% |
| [Redact] | 9808758 | [Redact] |  | [Redact] | Representative FICO | 775 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9808806 | [Redact] |  | [Redact] | Original CLTV | 56.36 | 46.9697 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9768758 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9768758 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768758 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768758 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9768753 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768753 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768753 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9809153 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9809163 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9809163 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9809163 | [Redact] |  | [Redact] | Representative FICO | 788 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9810051 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9810051 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9810051 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9810292 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9810292 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9843813 | [Redact] |  | [Redact] | Representative FICO | 723 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9843813 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9843813 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9844270 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9844270 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 34.906 | 42.59877 | Verified | 1008 DTI 42.60% |
| [Redact] | 9844271 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9844271 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 19.517 | 42.59883 | Verified | 1008 DTI 42.60% |
| [Redact] | 9844271 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9844303 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9844303 | [Redact] |  | [Redact] | Representative FICO | 748 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9844557 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9844557 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9844560 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9844560 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9844673 | [Redact] |  | [Redact] | Representative FICO | 660 | 669 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9844717 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9844719 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9845837 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9845850 | [Redact] |  | [Redact] | Representative FICO | 701 | 680 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9845850 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 31 | 27.23418 | Verified | 1008 DTI 27.188% |
| [Redact] | 9845893 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9768755 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768755 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768755 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9768760 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768760 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768760 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9768760 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9847912 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9847912 | [Redact] |  | [Redact] | Original CLTV | 65.077 | 66.73846 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9847914 | [Redact] |  | [Redact] | Representative FICO | 792 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9847914 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 38.363 | 45.59238 | Verified | Lender used 75% of lease agreements for one of the REO's that is split into 3 separate properties on sch E. Sch E was used and the PITIA was split equally to calculate accurate rental income |
| [Redact] | 9847914 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9848351 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9848353 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9848782 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9848782 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9848782 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9848782 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 14.1 | 40.89692 | Verified | 1008 DTI 42.468% |
| [Redact] | 9848782 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9850050 | [Redact] |  | [Redact] | Representative FICO | 790 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9850116 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9850314 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9851224 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 11.556 | 24.90963 | Verified | The Field Value DTI matches the final 1008 |
| [Redact] | 9851227 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9851567 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9851567 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9851859 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852712 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852712 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9852712 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9852712 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9852712 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 12 | 41.19039 | Verified | DTI 1008 41.188% |
| [Redact] | 9852722 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9852722 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9852722 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 23.152 | 38.77481 | Verified | 1008 DTI 38.775% |
| [Redact] | 9852722 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9852723 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9852732 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9852732 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9855033 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9855044 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9855067 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9855865 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9855865 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9856869 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9856869 | [Redact] |  | [Redact] | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9856869 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9858027 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9859561 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9860181 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9860185 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860185 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Origination Channel | Correspondent Flow without Delegated UW | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Coborrower Middle Name |  | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9856759 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9856775 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9856782 | [Redact] |  |  | Borrower Middle Name | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9860459 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860459 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9860460 | [Redact] |  | [Redact] | Representative FICO | 730 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9860519 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9860518 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9804069 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9804069 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804069 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804070 | [Redact] |  |  | Representative FICO | 741 | 756 | Verified | Unable to verify due to missing information |
| [Redact] | 9803924 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803926 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803928 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803930 | [Redact] |  |  | Representative FICO | 719 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803930 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9803930 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803931 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9803931 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9803931 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9803931 | [Redact] |  |  | Representative FICO | 733 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803931 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803931 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804071 | [Redact] |  |  | Representative FICO | 684 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803932 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803932 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.20 | Verified | Field value reflects source document |
| [Redact] | 9803934 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803936 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9803938 | [Redact] |  |  | Refi Purpose | Cash-out - Other | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9803939 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9803939 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9803939 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9803939 | [Redact] |  |  | Representative FICO | 692 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803939 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | The lender included HOA fees for 3 properties where the appraisal verified no HOA dues. |
| [Redact] | 9803939 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803939 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.21 | Verified | The lender included HOA fees for 3 properties where the appraisal verified no HOA dues. |
| [Redact] | 9803940 | [Redact] |  |  | Representative FICO | 692 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803940 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803942 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9803943 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9803943 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803943 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.18 | Verified | Field value reflects source document |
| [Redact] | 9803946 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9803946 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9803947 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9803947 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9803951 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803952 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9803954 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803955 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803956 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803956 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.52 | Verified | Lender qualified with lower rent that is not documented in file |
| [Redact] | 9803958 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803959 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9803960 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9803960 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803961 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9803961 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9803961 | [Redact] |  |  | Representative FICO | 763 | 774 | Verified | Unable to verify due to missing information |
| [Redact] | 9803961 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803966 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9803967 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803967 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803969 | [Redact] |  |  | Original LTV | 71.43 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9803969 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803970 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9803970 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803972 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803973 | [Redact] |  |  | Representative FICO | 735 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803974 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9803974 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9803974 | [Redact] |  |  | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9803974 | [Redact] |  |  | Original LTV | 70 | 73.13433 | Verified | Unable to verify due to missing information |
| [Redact] | 9803974 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803974 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.06 | Verified | Field value reflects source document |
| [Redact] | 9803976 | [Redact] |  |  | Representative FICO | 711 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803977 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803978 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9803978 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9803979 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9803980 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803980 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.59 | 1.62 | Verified | Field value reflects source document |
| [Redact] | 9803981 | [Redact] |  |  | Representative FICO | 764 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9803985 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803986 | [Redact] |  |  | Representative FICO | 746 | 770 | Verified | Unable to verify due to missing information |
| [Redact] | 9803986 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Unable to verify due to missing information |
| [Redact] | 9803986 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Unable to verify due to missing information |
| [Redact] | 9803994 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803997 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9803998 | [Redact] |  |  | Representative FICO | 704 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804000 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Lender only included County taxes in PITIA; however property has County and City taxes |
| [Redact] | 9804000 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.81 | 1.61 | Verified | Lender only included County taxes in PITIA; however property has County and City taxes |
| [Redact] | 9804004 | [Redact] |  |  | Representative FICO | 739 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804004 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804006 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9804006 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9804006 | [Redact] |  |  | Representative FICO | 746 | 762 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804006 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804006 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804009 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804011 | [Redact] |  |  | Original LTV | 78.7 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9804012 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804018 | [Redact] |  |  | Representative FICO | 766 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804019 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804020 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804021 | [Redact] |  |  | Representative FICO | 737 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804022 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9804022 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804023 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804024 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9804024 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | This is cause by the high tax amount for the subject property |
| [Redact] | 9804025 | [Redact] |  |  | Representative FICO | 756 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804026 | [Redact] |  |  | Representative FICO | 817 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804026 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804028 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9804028 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9804028 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9804031 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804031 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.31 | Verified | Field value reflects source document |
| [Redact] | 9804032 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804033 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9804033 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804033 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.02 | Verified | Field value reflects source document |
| [Redact] | 9804034 | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9804034 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9804035 | [Redact] |  |  | Coborrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9804035 | [Redact] |  |  | Coborrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redact] | 9804035 | [Redact] |  |  | Coborrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9804035 | [Redact] |  |  | Representative FICO | 684 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804035 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804035 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804037 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804038 | [Redact] |  |  | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804038 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.33 | Verified | Field value reflects source document |
| [Redact] | 9804039 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804040 | [Redact] |  |  | Representative FICO | 776 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804040 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804041 | [Redact] |  |  | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804042 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804042 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.32 | Verified | Field value reflects source document |
| [Redact] | 9804046 | [Redact] |  |  | Representative FICO | 671 | 675 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804046 | [Redact] |  |  | Original LTV | 60 | 58.88889 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9804047 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9804047 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804047 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.30 | Verified | Field value reflects source document |
| [Redact] | 9804049 | [Redact] |  |  | Representative FICO | 795 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9804049 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804049 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.61 | 1.63 | Verified | Field value reflects source document |
| [Redact] | 9804050 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9804050 | [Redact] |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804051 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804052 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9804052 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804053 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804053 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.63 | 1.37 | Verified | Field value reflects source document |
| [Redact] | 9804055 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | The calculated PITIA was based on Note, Taxes, closing statement and Hazard Insurance located within the loan file. |
| [Redact] | 9804055 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.32 | Verified | Field value reflects source document |
| [Redact] | 9804056 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9804057 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804060 | [Redact] |  |  | Origination Channel | Correspondent Flow with Delegated UW | Retail | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9804060 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804060 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.45 | 1.43 | Verified | Field value reflects source document |
| [Redact] | 9804062 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804062 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804063 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804063 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.72 | 1.67 | Verified | Field value reflects source document |
| [Redact] | 9804064 | [Redact] |  |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9804064 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804065 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804066 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804066 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.76 | 1.87 | Verified | Field value reflects source document |
| [Redact] | 9804067 | [Redact] |  |  | Original PITIA | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804067 | [Redact] |  |  | Coborrower Birth Date | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9804067 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.28 | Verified | Field value reflects source document |
| [Redact] | 9860573 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9860576 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9860961 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9860975 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9860975 | [Redact] |  | [Redact] | Borrower SSN | [Redact] | [Redact] | Verified | Field Value verified by application or other documentation in file |
| [Redact] | 9860975 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9861310 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9861425 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9861659 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9861659 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10065123 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10065123 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 10065123 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9861660 | [Redact] |  | [Redact] | Representative FICO | 808 | 819 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9861660 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9861660 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9861660 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 17.61 | 28.18299 | Verified | 1008 DTI 28.116% |
| [Redact] | 9498133 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9862200 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9896457 | [Redact] |  | [Redact] | Representative FICO | 793 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9896457 | [Redact] |  | [Redact] | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9896604 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9896605 | [Redact] |  | [Redact] | Representative FICO | 792 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9896605 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9896621 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9896621 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 40.94 | 37.42651 | Verified | 1008 DTI 37.426% |
| [Redact] | 9896648 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9896652 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9897044 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9859788 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9859825 | [Redact] |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9859825 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| [Redact] | 9859825 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859825 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859825 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859808 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9859818 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859818 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859818 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859810 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9859791 | [Redact] |  |  | Representative FICO | 788 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9859791 | [Redact] |  |  | Borrower Self-Employed? | [Redact] | [Redact] | Verified | Field Value verified by Income, Employment, Credit or other documentation in file |
| [Redact] | 9859802 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859803 | [Redact] |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9859800 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859800 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859800 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9859800 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859816 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859798 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859824 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859824 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859787 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859787 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859787 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9859787 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859806 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859806 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859806 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9859806 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859812 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Unable to verify due to missing information |
| [Redact] | 9859814 | [Redact] |  |  | Escrow Account | 0 | 1 | Verified | Unable to verify due to missing information |
| [Redact] | 9859822 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9898545 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9898621 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9898640 | [Redact] |  | [Redact] | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9915111 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9915112 | [Redact] |  | [Redact] | Representative FICO | 700 | 716 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9915112 | [Redact] |  | [Redact] | Original CLTV | 25 | 22.38806 | Verified | LTV 1008 22.388% |
| [Redact] | 9915112 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 12.532 | 29.64965 | Verified | DTI 1008 29.650% |
| [Redact] | 9915499 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9915497 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9915521 | [Redact] |  | [Redact] | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9915521 | [Redact] |  | [Redact] | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9915521 | [Redact] |  | [Redact] | Representative FICO | 782 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9915521 | [Redact] |  | [Redact] | Original CLTV | 50 | 54 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9915521 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 24.59 | 28.17517 | Verified | 1008 DTI 28.171% |
| [Redact] | 9917550 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9917551 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9917629 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9917633 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9917628 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9917678 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9917737 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9917737 | [Redact] |  | [Redact] | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9917738 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 32.64 | 37.85826 | Verified | 1008 DTI 37.768% |
| [Redact] | 9917969 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9917990 | [Redact] |  | [Redact] | Representative FICO | 794 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9917990 | [Redact] |  | [Redact] | Doc Type | 1yr Full Doc | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9918063 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9918064 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9918064 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 12 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9918064 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9918065 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9918066 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9918170 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9918166 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9953377 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9953804 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9953804 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9953804 | [Redact] |  | [Redact] | Representative FICO | 784 | 796 | Verified | Unable to verify due to missing information |
| [Redact] | 9953805 | [Redact] |  | [Redact] | Original Interest Rate | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9953805 | [Redact] |  | [Redact] | Representative FICO | 784 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9953829 | [Redact] |  | [Redact] | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954312 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954312 | [Redact] |  | [Redact] | Occupancy | Investment | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| [Redact] | 9954312 | [Redact] |  | [Redact] | Doc Type | 2yr Full Doc | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| [Redact] | 9954312 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 12 |  | Verified | No Prepayment Penalty |
| [Redact] | 9954584 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954584 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9859796 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859796 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859796 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9859796 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859797 | [Redact] |  |  | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9859829 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859829 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859829 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859767 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859767 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859767 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859773 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859773 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859773 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859794 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859794 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859794 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859784 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859784 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859784 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859769 | [Redact] |  |  | Borrower First Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9859769 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.01 | Verified | DSCR worksheet in file verified DSCR of 1.01 |
| [Redact] | 9859779 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.08 | Verified | Lender qualified with higher rent than verified with the lease agreements and comparable market rent |
| [Redact] | 9859820 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859820 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9859820 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9859820 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9859827 | [Redact] |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9859827 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.40 | 1.54 | Verified | Lender qualified with higher HOA dues than verified in file |
| [Redact] | 9768729 | [Redact] |  |  | Original HCLTV | 37.038 | 29.41176 | Verified | Tape Value reflects the Initial draw amount while Field Value reflects the Maximum draw amount |
| [Redact] | 9768729 | [Redact] |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9768729 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9768729 | [Redact] |  |  | Borrower Mailing City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9768729 | [Redact] |  |  | Borrower Mailing State | [Redact] | [Redact] | Verified | Field Value reflects State per Note |
| [Redact] | 9768729 | [Redact] |  |  | Borrower Mailing Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9956980 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9956985 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9956985 | [Redact] |  | [Redact] | Prepayment Penalty Period (months) | 12 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9956985 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 22.01 | 25.24386 | Verified | 1008 DTI 25.242% |
| [Redact] | 9957021 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9957075 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9957075 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9957911 | [Redact] |  | [Redact] | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9957899 | [Redact] |  | [Redact] | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9957891 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859771 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9977656 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9978968 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9978960 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9978960 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9978976 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979021 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979024 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979024 | [Redact] |  | [Redact] | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9979024 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 28 | 42.21422 | Verified | 1008 DTI 41.539% |
| [Redact] | 9859780 | [Redact] |  |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9859780 | [Redact] |  |  | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 9859775 | [Redact] |  |  | Borrower Mailing Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9501876 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9613076 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9769235 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9804487 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9736682 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9983337 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9983337 | [Redact] |  | [Redact] | Property Type | Single Family Detached | Townhouse | Verified | Unable to verify due to missing information |
| [Redact] | 9983339 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9859783 | [Redact] |  |  | Subject Debt Service Coverage Ratio | 1.29 | 1.26 | Verified | Field value reflects source document |
| [Redact] | 9768761 | [Redact] |  |  | Note Date | [Redact] | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9768761 | [Redact] |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| [Redact] | 9896373 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9896387 | [Redact] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| [Redact] | 9844380 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9844380 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9844380 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9954502 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954507 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954507 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954507 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 29.951 | 35.06051 | Verified | Per 1008 DTI is 35.063% and calculated DTI is 35.061% |
| [Redact] | 9954497 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954497 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 34.61 | 29.48252 | Verified | Field value is lower |
| [Redact] | 9954500 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9954495 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9954495 | [Redact] |  |  | Representative FICO | 800 | 807 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 9954508 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954503 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954503 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 37.5604 | 42.50262 | Verified | added owner pay check onto YTD P& and used as most conservative approach |
| [Redact] | 9954503 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954514 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954514 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954499 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954499 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954513 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided |
| [Redact] | 9954509 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954509 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 45.605 | 49.81983 | Verified | Field Value DTI matches 1008 DTI. |
| [Redact] | 9954515 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954515 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954504 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954504 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9954504 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 0.1957 | 47.33417 | Verified | Tape data reflects lower DTI 0.19 % reviewed DTI 47.33% |
| [Redact] | 9954523 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954523 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9954523 | [Redact] |  |  | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| [Redact] | 9954501 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954501 | [Redact] |  |  | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9954501 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954501 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954511 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954511 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954522 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954522 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 22.5536 | 25.76505 | Verified | Per 1008 DTI is 25.243% and calculated DTI is 25.765% due to the credit |
| [Redact] | 9954520 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954512 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954512 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954512 | [Redact] |  |  | Original CLTV | 80 | 76.8 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9954512 | [Redact] |  |  | Original LTV | 80 | 76.8 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9954512 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 17.6 | 25.46031 | Verified | YTD P&L used, added W2 from YTD wage |
| [Redact] | 9954512 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954506 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9954506 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954506 | [Redact] |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954517 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954517 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954505 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9954505 | [Redact] |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9954505 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 23.65 | 29.48696 | Verified | Tape data reflects lower DTI 23.65% reviewed DTI 29.48% |
| [Redact] | 9954505 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9954518 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9954518 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 29.41 | 21.34456 | Verified | HOI monthly amount was considered as [Redact] compared to the sourced document for [Redact] |
| [Redact] | 9954518 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 9502503 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9502503 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9502503 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9502503 | [Redact] |  |  | Original CLTV | 70.66 | 69.29224 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9502503 | [Redact] |  |  | Original LTV | 70.66 | 69.29224 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9239731 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9239731 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9688973 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9688973 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9688973 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9734324 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9848691 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9652903 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9693579 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9693579 | [Redact] |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9807904 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9807904 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value blank |
| [Redact] | 9807904 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Bid Tape Field Value blank |
| [Redact] | 9858024 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Security Instrument |
| [Redact] | 9858024 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9896455 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9850047 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Same as Note document's Business entity. |
| [Redact] | 9850047 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9808466 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9808466 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9808466 | [Redact] |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9808466 | [Redact] |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redact] | 9808466 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 44.3389 | 31.1874 | Verified | Per AUS DTI is 21.746% and calculated DTI is 31.187% due to the taxes of [Redact] per first payment letter/CD. Per 1003 taxes [Redact]-missing city taxes of [Redact]. Subject negative rental income of [Redact] vs 1008 of [Redact] |
| [Redact] | 10086297 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10086297 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10086297 | [Redact] |  | [Redact] | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| [Redact] | 10088958 | [Redact] |  | [Redact] | Street |  | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10088958 | [Redact] |  | [Redact] | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10088958 | [Redact] |  | [Redact] | Investor: Qualifying Total Debt Ratio | 2.372 | 17.66758 | Verified | 1008 DTI 17.667% |
| [Redact] | 9367625 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9367625 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9367625 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 9367625 | [Redact] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9367625 | [Redact] |  |  | Original CLTV | 56.6 | 58.73585 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9367625 | [Redact] |  |  | Original LTV | 56.6 | 58.73585 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9848690 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9850334 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9850334 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9861308 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9697697 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9808470 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9896620 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9896620 | [Redact] |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| [Redact] | 9896620 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9769313 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 9769313 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9769313 | [Redact] |  |  | Original CLTV | 65 | 59.97899 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9769313 | [Redact] |  |  | Original LTV | 65 | 59.97899 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9860182 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9860182 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 9860182 | [Redact] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 9808702 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9808702 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9808702 | [Redact] |  |  | Original CLTV | 57.14 | 62.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9808702 | [Redact] |  |  | Original LTV | 57.14 | 62.5 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9808706 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9808706 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 9808706 | [Redact] |  |  | Original CLTV | 57.14 | 62.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9808706 | [Redact] |  |  | Original LTV | 57.14 | 62.5 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 9810304 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid tape field value blank |
| [Redact] | 9849209 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value blank |
| [Redact] | 9979560 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9979561 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Last Name | [Redact] | [Redact] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9979571 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9979571 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9979619 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979619 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10084785 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9979572 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 9979428 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979428 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 9979428 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 9979428 | [Redact] |  |  | Original CLTV |  | 87.0145 | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10084947 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10084947 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10084947 | [Redact] |  |  | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10084947 | [Redact] |  |  | Universal Loan Identifier (ULI) | [Redact] | [Redact] | Verified | Field value reflects source document |
| [Redact] | 9979584 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 9979584 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10084685 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10084685 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10084685 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10084685 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 9979575 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10084874 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10084874 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10084874 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10084874 | [Redact] |  |  | Original CLTV |  | 69.87952 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10091833 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091836 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091823 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091787 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091787 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091794 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091809 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091814 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value is blank. |
| [Redact] | 10091814 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Bid Tape Field Value is blank. |
| [Redact] | 10091789 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091789 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10091789 | [Redact] |  |  | Original CLTV | 60 | 56.15551 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10091789 | [Redact] |  |  | Original LTV | 60 | 56.15551 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10091789 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 15.977 | 8.74196 | Verified | Field value is lower, income and liabilities are accurate as entered. |
| [Redact] | 10091784 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091784 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091784 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091810 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091791 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091791 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091800 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091800 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 12.8745 | 35.23429 | Verified | Per 1008 DTI is 35.232% and calculated DTI is 35.232% |
| [Redact] | 10091835 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091783 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091783 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 39.428 | 44.78476 | Verified | Per 1008 DTI is 44.787% and calculated DTI is 44.787% |
| [Redact] | 10091817 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091817 | [Redact] |  |  | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10091817 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091824 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091824 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091806 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091806 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10091806 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10091806 | [Redact] |  |  | Original CLTV | 77.61 | 78.7037 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091806 | [Redact] |  |  | Original LTV | 77.61 | 78.7037 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091799 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091799 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 40.587 | 46.05131 | Verified | Per AUS DTI is 46.05% and calculated DTI is 46.05% |
| [Redact] | 10091807 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091782 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091795 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091795 | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10091795 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091795 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091812 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091798 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value is blank. |
| [Redact] | 10091798 | [Redact] |  |  | Original CLTV | 40.1 | 53.94666 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091798 | [Redact] |  |  | Original LTV | 40.1 | 53.94666 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091798 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 36.956 | 42.33154 | Verified | Per AUS DTI is 42.33% and calculated DTI is 42.33% |
| [Redact] | 10091788 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091788 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10091788 | [Redact] |  |  | Original CLTV | 80 | 78.53881 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091788 | [Redact] |  |  | Original LTV | 80 | 78.53881 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091816 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091816 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091816 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 29.4987 | 37.27255 | Verified | Field Value DTI matches 1008 DTI. |
| [Redact] | 10091816 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091842 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091842 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 22.405 | 16.33653 | Verified | Field value is lower |
| [Redact] | 10091845 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091845 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091841 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091821 | [Redact] |  |  | City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10091821 | [Redact] |  |  | Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10091821 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091821 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091848 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091848 | [Redact] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10091848 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 44.61 | 41.20794 | Verified | Field value is lower |
| [Redact] | 10091848 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091797 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091797 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091797 | [Redact] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10091797 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10091797 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 37.9833 | 43.42786 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redact] | 10091797 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091837 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091837 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091837 | [Redact] |  |  | Representative FICO | 781 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redact] | 10091847 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091847 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 24.3537 | 20.12576 | Verified | DTI matches with 1008/AUS. |
| [Redact] | 10091847 | [Redact] |  |  | Decision System | DU |  | Verified | Field value reflects source document |
| [Redact] | 10091792 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value is blank. |
| [Redact] | 10091792 | [Redact] |  |  | Property Type | 2 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redact] | 10091792 | [Redact] |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| [Redact] | 10091796 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091796 | [Redact] |  |  | Refi Purpose | Cash-out | Rate/Term | Verified | Delayed financing set as R/T per Max, GUides state delayed is R/T |
| [Redact] | 10091790 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091790 | [Redact] |  |  | Original CLTV | 38.27 | 39.46667 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091790 | [Redact] |  |  | Original LTV | 38.27 | 39.46667 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 10091805 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091803 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091803 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10091803 | [Redact] |  |  | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| [Redact] | 10091802 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091802 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value is blank. |
| [Redact] | 10091802 | [Redact] |  |  | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| [Redact] | 10091804 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091804 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 26.32 | 32.64926 | Verified | Per 1008 DTI is 32.770% and calculated DTI is 32.649% due to investment property [Redact]-Negative income of [Redact] vs 1003 [Redact] as 2023 insurance of [Redact] included per Schedule E. |
| [Redact] | 10091780 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091780 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value blank |
| [Redact] | 10091780 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 32.622 | 41.79674 | Verified | Per 1008 DTI is 40.804% and calculated DTI is 41.796% due to the investment property [Redact] negative income of [Redact] vs 1003 of [Redact] |
| [Redact] | 10091839 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091830 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091830 | [Redact] |  |  | Original Loan Amount | [Redact] | [Redact] | Verified | Field Value reflects the Note value |
| [Redact] | 10091830 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10091813 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091813 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 38 | 33.36946 | Verified | Field value is lower |
| [Redact] | 10091825 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091825 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 21.484 | 13.76607 | Verified | Per 1008 DTI is 12.92% and calculated DTI is 13.77% due to the subject negative rental income of [Redact] vs 1008 of [Redact]. |
| [Redact] | 10091822 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091846 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091831 | [Redact] |  |  | Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10091831 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091831 | [Redact] |  |  | Original CLTV | 80 | 77.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10091831 | [Redact] |  |  | Original LTV | 80 | 77.5 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10091831 | [Redact] |  |  | Investor: Qualifying Total Debt Ratio | 21.3079 | 28.71841 | Verified | Per 1008 DTI is 28.131% and calculated DTI is 28.718% due to the other monthly payments calculated of [Redact] vs 1008 of [Redact]. |
| [Redact] | 10091843 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Field Value reflects Note Date per the Note |
| [Redact] | 10091843 | [Redact] |  |  | Refi Purpose |  | Limited Cash-out GSE | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > [Redact] or 2% of loan amount per HUD-1/CD |
| [Redact] | 10091808 | [Redact] |  |  | Note Date |  | [Redact] | Verified | Bid Tape Field Value is blank. |
| [Redact] | 10091820 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091820 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091838 | [Redact] |  |  | Note Date |  | [Redact] | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091838 | [Redact] |  |  | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| [Redact] | 10091838 | [Redact] |  |  | Original CLTV | 69.64 | 67.24138 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redact] | 10091838 | [Redact] |  |  | Original LTV | 69.64 | 67.24138 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redact] | 10084833 | [Redact] |  |  | Borrower Current Street | [Redact] | [Redact] | Verified | Field Value reflects Street per Note |
| [Redact] | 10084833 | [Redact] |  |  | Borrower Current City | [Redact] | [Redact] | Verified | Field Value reflects City per Note |
| [Redact] | 10084833 | [Redact] |  |  | Borrower Current Zip | [Redact] | [Redact] | Verified | Field Value reflects Zip per Note |
| [Redact] | 10084833 | [Redact] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 4 - Valuation Summary Report**

![](ex99_001.gif)

**Valuation Report**

**Run Date - 3/4/2026 3:37:08 PM** 

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redact] | 9104732 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9104666 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9099688 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9115054 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9104616 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
| [Redact] | 9122518 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153194 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153200 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153202 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153205 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153206 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153229 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153231 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153235 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9153236 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9104790 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| [Redact] | 9186369 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9203982 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.690% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9216861 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9240360 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9242917 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9242957 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9302778 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redact] | 9248776 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9362518 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9365612 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9367826 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.490% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9370625 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9371239 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9386003 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9389647 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9447887 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9613836 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498500 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9499985 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9500704 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9500980 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.250% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9501868 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9205053 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502466 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502490 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9502512 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9502510 | [Redact] | [Redact] |  |  |  |  |  |  | 2.380% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502694 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9502699 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9897429 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9504089 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9551035 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9389397 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9554410 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9554854 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redact] | 9555236 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9389400 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9555500 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9603400 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606021 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606073 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9606072 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9220267 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9608835 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9389634 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9389636 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9389633 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9389619 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9389644 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9389621 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.310% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9606107 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9615795 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9652908 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9688976 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9693385 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693585 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9693853 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9693987 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9694493 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9694498 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9694518 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9694617 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -17.540% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9694754 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9694758 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697629 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [Redact] | 9698115 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redact] | 9698251 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9731873 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9731872 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9499996 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.720% |  |  | Drive By |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.720% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9499997 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.850% |  |  | Drive By |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.850% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9500000 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.940% |  |  | Drive By |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.940% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9732148 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9698057 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9732721 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9733845 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10047039 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [Redact] | 9735275 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9735283 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9769232 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9769302 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9769475 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9769481 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9802884 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9803034 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9804556 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9804558 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804818 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9805427 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9805429 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [Redact] | 9806548 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9808472 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808475 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808709 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808758 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9808806 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9768748 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768759 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768730 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768758 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768745 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9768753 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9808959 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9809153 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9809163 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9809936 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9810051 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9810292 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9810293 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9843813 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9844270 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9844271 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9844303 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9844557 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redact] | 9844560 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9844673 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9844717 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9844719 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9844724 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9844723 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845322 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9845828 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9845835 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [Redact] | 9845837 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845850 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9845891 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9845893 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9768755 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9768742 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9768760 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9768746 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9847912 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9847914 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9848351 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9848353 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9251444 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9848782 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9850050 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9850116 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9850314 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9851224 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9851226 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9851227 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9851567 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9851859 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9852712 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9852722 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9852723 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9852732 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9855032 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9855033 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9855044 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9855067 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 9855865 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9856751 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856869 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.640% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856882 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9856876 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9856874 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9857097 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768776 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9858027 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9859561 | [Redact] | [Redact] |  |  |  |  |  |  | 2.080% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 2.080% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859566 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [Redact] | 9860181 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9860188 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9860185 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9856759 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.180% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9856775 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9856780 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| [Redact] | 9856782 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| [Redact] | 9860459 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.130% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9860460 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9860519 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | 7.380% |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9860507 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9860518 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| [Redact] | 9804069 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804070 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803923 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803924 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803926 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803927 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -10.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | -5.330% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803928 | [Redact] |  |  |  |  |  |  |  | 23.080% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 23.080% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803929 | [Redact] |  |  |  |  |  |  |  | 34.210% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 34.210% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803930 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803931 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 10.240% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804071 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803932 | [Redact] |  |  |  |  |  |  |  | 15.420% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 15.420% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803933 | [Redact] |  |  |  |  |  |  |  | 15.240% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 15.240% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803934 | [Redact] |  |  |  |  |  |  |  | 12.960% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 12.960% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803936 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.520% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803938 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803939 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9803940 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00% |  |  |  |  |  |
| [Redact] | 9803942 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803943 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803944 | [Redact] |  |  |  |  |  |  |  | 2.940% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803945 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803946 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.380% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803947 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.330% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803948 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803950 | [Redact] |  |  |  |  |  |  |  | 5.190% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 5.190% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803951 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.560% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803952 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.390% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803953 | [Redact] |  |  |  |  |  |  |  | 13.510% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 13.510% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803954 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | 5.250% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.25% |  |  |  |  |  |
| [Redact] | 9803955 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.080% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803956 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803957 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.820% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | -3.640% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803958 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.170% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803959 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.630% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803960 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.350% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803961 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803962 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803963 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.500% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 5.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803964 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803965 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 34.730% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803966 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.310% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803967 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803968 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803969 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803970 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803971 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.350% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803972 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.820% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803973 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 32.140% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803974 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.490% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803976 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.180% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803977 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.210% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803978 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803979 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803980 | [Redact] |  |  |  |  |  |  |  | 0.790% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.790% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803981 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 22.920% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803982 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803984 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.030% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803985 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803986 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -10.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803987 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.950% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803988 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 13.130% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803989 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.890% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803990 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.770% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803991 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.570% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803993 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.730% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803994 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803995 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.440% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803996 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803997 | [Redact] |  |  |  |  |  |  |  | 12.280% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 12.280% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803998 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9803999 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804000 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804001 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.070% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.780% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804002 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.680% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | -2.680% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804003 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.300% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804004 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804005 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804006 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 16.670% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804008 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804009 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804010 | [Redact] |  |  |  |  |  |  |  | 4.350% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 4.350% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804011 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804012 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.960% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804013 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 11.610% |  |  | Drive-by |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804015 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 9.090% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804017 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.170% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804018 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804019 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804020 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.140% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804021 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804022 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804023 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -0.880% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.88% |  |  |  |  |  |
| [Redact] | 9804024 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.090% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804025 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804026 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804027 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804028 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 15.300% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804029 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804031 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.730% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804032 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804033 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804034 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.800% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804035 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804036 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804037 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804038 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804039 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804040 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804041 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804042 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804043 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 30.570% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804044 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804045 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.520% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804046 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  | -1.850% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.85% |  |  |  |  |  |
| [Redact] | 9804047 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804048 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804049 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804050 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804051 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.170% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804052 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.760% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804053 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804055 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804056 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804057 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.380% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804060 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804061 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804062 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804063 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.890% |  |  | Drive By |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804064 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804065 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804066 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804067 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.760% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9804068 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9860573 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860576 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9860961 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860975 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9861256 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9861310 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9861425 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9861427 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9861428 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.530% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9861659 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10065123 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9861660 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9498133 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9862195 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9862198 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9862200 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896462 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9896457 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9896604 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [Redact] | 9896605 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redact] | 9896621 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896648 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9896652 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9897044 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9859788 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859825 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859808 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859818 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9859810 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859807 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9859791 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.030% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859802 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859803 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859800 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859816 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9859781 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859798 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859824 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859787 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859806 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859826 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859811 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859812 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9859814 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859822 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859793 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9898545 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [Redact] | 9898547 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redact] | 9898621 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9898638 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9898640 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9898645 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9914959 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9915108 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9915111 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9915112 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9915507 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9915499 | [Redact] | [Redact] |  |  |  |  |  |  | 1.030% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| [Redact] | 9915497 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [Redact] | 9915519 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9915521 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9915648 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917550 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9917551 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917629 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917633 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9917628 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917636 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9917644 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9917676 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9917678 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9917737 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9917738 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9917969 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.080% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9917990 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9918063 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9918064 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.480% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redact] | 9918065 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9918066 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9918170 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9918166 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9951053 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953377 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953380 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953630 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9953804 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9953805 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9953829 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.080% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954312 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9954491 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.350% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redact] | 9954492 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| [Redact] | 9954584 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redact] | 9954656 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.410% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859796 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859797 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9859829 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9859799 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859767 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redact] | 9859782 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [Redact] | 9859773 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redact] | 9859794 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859784 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9859769 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redact] | 9859777 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859779 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859789 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859776 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859820 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859827 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9768729 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redact] | 9956980 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9956985 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9957021 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9957075 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9957911 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9957899 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9957891 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9957880 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [Redact] | 9859809 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859771 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9977656 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9978968 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9978960 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.980% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9978976 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9979021 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9979024 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859780 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859772 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9859775 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9501876 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9613076 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [Redact] | 9769235 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9804487 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9736682 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9983337 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9983339 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859830 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9859783 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9768761 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redact] | 9896373 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.850% |  |  | AVM |  | 0.03 |  |  |  | 0.080% |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| [Redact] | 9896387 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9859813 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9844380 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| [Redact] | 9954502 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954507 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954497 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954500 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954495 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954508 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954503 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954514 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954499 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954513 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954509 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954515 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954504 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954523 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954501 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954511 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954522 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redact] | 9954520 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954512 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954506 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954517 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954505 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9954518 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9502503 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9239731 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 9688973 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redact] | 9734324 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9848691 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9652903 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9693579 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9807904 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redact] | 9858024 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redact] | 9896455 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9850047 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9808466 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10086297 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10088958 | [Redact] | [Redact] |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9367625 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9848690 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [Redact] | 9850334 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9861308 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9697697 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808470 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9896620 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redact] | 9769313 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9860182 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808702 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9808706 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9810304 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9849209 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 9979560 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9979561 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 9979489 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redact] | 9979571 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redact] | 9979619 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [Redact] | 9694918 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.10 |
| [Redact] | 9979620 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10084785 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [Redact] | 10084710 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [Redact] | 9979572 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redact] | 9979428 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10084947 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redact] | 9979584 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [Redact] | 10084685 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| [Redact] | 9979575 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10084874 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 |
| [Redact] | 10091833 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091836 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.050% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091823 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091787 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091794 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091809 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091814 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redact] | 10091789 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091784 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091810 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091791 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091800 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091835 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091783 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091817 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10091824 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091806 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091799 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10091807 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091782 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091795 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091812 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redact] | 10091798 | [Redact] |  |  |  |  |  |  |  | 11.490% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091788 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091816 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091842 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091845 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091841 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091821 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091848 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091797 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091837 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091847 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091792 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091796 | [Redact] |  |  |  |  |  |  |  | 2.440% |  |  |  | Appraisal |  |  |  |  |  |  | 2.440% |  |  | Field Review |  |  | High |  |  |  |  |  |  |  |  | -10.160% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091790 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091805 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091803 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091802 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091804 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091780 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091839 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091830 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091813 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091825 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091822 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091846 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091831 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091843 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091808 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091820 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10091838 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redact] | 10084833 | [Redact] |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 5 - Supplemental Report**

![](ex99_001.gif)

**Supplemental Data**

**Run Date - 3/4/2026 3:37:09 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** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| [Redact] | 9104732 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1.08 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9104666 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.53 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9099688 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.31 | 0.43 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 259.22 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 16 |
| [Redact] | 9115054 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 97.29 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9104616 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 50.77 |  |  |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9122518 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 66.41 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 12 |
| [Redact] | 9153194 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 32.35 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9153200 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 7.82 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 13 |
| [Redact] | 9153202 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.99 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.8 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 8 |
| [Redact] | 9153205 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 82.57 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 |
| [Redact] | 9153206 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 6.75 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9153229 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 70.23 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9153231 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 25.37 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9153235 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 174.95 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9153236 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 25.7 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9104790 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 3.1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 103.29 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9186369 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 60.47 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9203982 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $51474.25 | $52217.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.215% | 39.215% | 39.215% | [Redact] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $51474.25 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.05 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9216861 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9240360 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14155.92 | $16316.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.590% | 12.590% | 12.590% | [Redact] | 624 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $14155.92 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9242917 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19607.50 | $6520.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.530% | 41.530% | 41.530% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19607.50 |  | [Redact] | $15000.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.19 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9242957 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $0.00 | $61.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.354% | 42.354% | 42.354% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 1 | 0 | 0 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9302778 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1440.00 | $3813.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Non-Employment Income | Non-Employment Income |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.963% | 43.963% | 43.963% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1440.00 |  | [Redact] | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 |  |  |  |  |  |  |  |  | 873.65 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9248776 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $43424.11 | $44193.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.935% | 44.935% | 44.935% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $43424.11 |  | [Redact] | $50000.00 |  | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 1 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 33.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9362518 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 24.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9365612 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4636.67 | $5500.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.426% | 46.426% | 46.426% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4636.67 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.31 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9367826 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $6675.00 | $8175.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.555% | 19.555% | 19.555% | [Redact] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6675.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9370625 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4180.87 | $4903.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.154% | 44.154% | 44.154% | [Redact] | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 84.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 84.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 84.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 84.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 84.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4180.87 |  | [Redact] | $3708.41 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 43.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.55 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9371239 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1395.00 | $5225.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.846% | 20.846% | 20.846% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1395.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.6 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9386003 | [Redact] | [Redact] | N/A |  |  |  | No | No | $59250.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $59250.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 47.46 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9389647 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $3210.00 | $6705.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.851% | 11.851% | 11.851% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% | 33.330% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2016 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3210.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 50.34 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9447887 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2155.75 | $2871.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.542% | 17.542% | 17.542% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2155.75 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9613836 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $17927.70 | $12643.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.859% | 28.859% | 28.859% | [Redact] | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2009 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17927.70 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9498500 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9622.80 | $12882.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.760% | 30.760% | 30.760% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9622.80 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 47.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9499985 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $11077.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.095% | 42.095% | 42.095% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1995.00 |  | [Redact] | $0.00 | 4.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 17.710% | 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 |  |  |  |  |  |  |  |  |  |  |  | 5.34 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9500704 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $2223.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.554% | 30.554% | 30.554% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.7 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 1 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.99 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9500980 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11045.50 | $3747.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.507% | 32.507% | 32.507% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11045.50 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9501868 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9490.00 | $13962.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.818% | 24.818% | 24.818% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9490.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.5 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9205053 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.69 |  |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502466 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14343.45 | $9899.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.243% | 37.243% | 37.243% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14343.45 |  | [Redact] | $1000.00 |  | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 23.650% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.28 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9502490 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $4636.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | $0.00 | [Redact] | $0.00 |  |  |  |  |  | 45.729% | 45.729% | 45.729% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502512 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1990.00 | $3264.85 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.235% | 35.235% | 35.235% | [Redact] | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1990.00 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.1 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502510 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7476.84 | $10987.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.984% | 26.984% | 26.984% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7476.84 |  | [Redact] | $2000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.91 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502694 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2353.39 | $5097.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.593% | 30.593% | 30.593% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2353.39 |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.910% | No | 33 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 82.65 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9502699 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9415.24 | $12152.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.700% | 48.700% | 48.700% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9415.24 |  | [Redact] | $7350.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9897429 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7629.57 | $9353.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.026% | 21.026% | 21.026% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7629.57 |  | [Redact] | $2500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 15.98 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9504089 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1585.00 | $9433.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.407% | 29.407% | 29.407% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1585.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 41.810% | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.72 | Retail |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9551035 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7406.25 | $9846.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.994% | 47.994% | 47.994% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7406.25 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.550% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9389397 | [Redact] |  | N/A |  |  |  | No | No | $21800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21800.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 | 12.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9554410 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $42315.00 | $4191.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.601% | 39.601% | 39.601% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $42315.00 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 135.48 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9554854 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10866.35 | $18038.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.964% | 47.964% | 47.964% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10866.35 |  | [Redact] | $13100.00 | 3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 66.590% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9555236 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16654.38 | $27708.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.162% | 27.162% | 27.162% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16654.38 |  | [Redact] | $12500.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 27.830% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.31 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389400 | [Redact] |  | Non QM |  |  |  | Yes | No | $9936.90 | $12385.52 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.498% | 24.498% | 24.498% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9936.90 |  | [Redact] | $35400.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9555500 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1425.00 | $4313.36 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.923% | 35.923% | 35.923% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1425.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9603400 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $0.00 | $6785.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.862% | 41.862% | 41.862% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5750.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.540% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.5 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606021 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $19404.24 | $26417.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.507% | 41.507% | 41.507% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19404.24 |  | [Redact] | $10000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.12 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9606073 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4828.18 | $4854.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.830% | 37.830% | 37.830% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4828.18 |  | [Redact] | $4794.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.02 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606072 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8573.31 | $9769.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.946% | 42.946% | 42.946% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8573.31 |  | [Redact] | $16700.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.02 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9220267 | [Redact] |  | N/A |  |  |  | No | No | $9150.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $9150.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 18.48 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9608835 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1640.00 | $6822.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.247% | 42.247% | 42.247% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389634 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25.00 | $3249.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.916% | 40.916% | 40.916% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $25.00 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 28.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.68 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389636 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23035.19 | $42378.24 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.987% | 44.987% | 44.987% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $23035.19 |  | [Redact] | $0.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 22.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389633 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21744.36 | $6706.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.555% | 36.555% | 36.555% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $21744.36 |  | [Redact] | $20000.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 31.220% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389619 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28145.00 | $30856.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.068% | 42.068% | 42.068% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $28145.00 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 2.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.27 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9389644 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9488.88 | $31613.39 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.420% | 19.420% | 19.420% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9488.88 |  | [Redact] | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 23.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.92 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9389621 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.029% | 16.029% | 16.029% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] |  |  | [Redact] | $0.00 | 3.8 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9606107 | [Redact] |  | Non QM |  |  |  | Yes | No | $4317.94 | $4885.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.175% | 39.175% | 39.175% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $4317.94 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 1 | 0 | 3 | 1 |  |  | 8.17 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 18.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9615795 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35491.98 | $15379.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.646% | 30.646% | 30.646% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35491.98 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.68 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9652908 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $8416.15 | $13595.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.706% | 38.706% | 38.706% | [Redact] | 635 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 75.000% |  | 100.000% |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8416.15 |  | [Redact] | $10000.00 | 1.7 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 74.600% | 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 |  |  |  |  |  |  |  |  |  |  |  | 23.27 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9688976 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9508.50 | $2902.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.605% | 48.605% | 48.605% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9508.50 |  | [Redact] | $0.00 | 1.3 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.63 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9693385 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2006.24 | $3334.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.719% | 26.719% | 26.719% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2006.24 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.590% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9693585 | [Redact] | [Redact] | N/A |  |  |  | No | No | $880.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $880.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 282.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9693853 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4712.85 | $7200.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.435% | 45.435% | 45.435% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4712.85 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.76 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9693987 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2379.38 | $6944.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income | Employed |  | 19.28 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.476% | 45.476% | 45.476% | [Redact] | 706 | 790 | 779 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-R - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-R - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2379.38 |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No | 33 |  | 35 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Trustee |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 348.09 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9694493 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2600.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2600.00 |  | [Redact] | $0.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.61 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9694498 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18702.07 | $20532.47 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.695% | 18.695% | 18.695% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18702.07 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9694518 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $27096.43 | $23739.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.208% | 28.208% | 28.208% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27096.43 |  | [Redact] | $65000.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.810% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9694617 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 163.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9694754 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5932.12 | $13015.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 4.175% | 4.175% | 4.175% | [Redact] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5932.12 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 97.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 103.46 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694758 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6278.40 | $9942.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.257% | 44.257% | 44.257% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6278.40 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 49.540% | No | 33 | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 36.57 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9697629 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2902.90 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2902.90 |  | [Redact] | $0.00 | 4.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.63 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9698115 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16167.20 | $20829.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.042% | 32.042% | 32.042% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16167.20 |  | [Redact] | $13000.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 28.310% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.09 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9698251 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $9147.37 | $13057.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.488% | 40.488% | 40.488% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9147.37 |  | [Redact] | $10000.00 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9731873 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5360.57 | $7809.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.847% | 24.847% | 24.847% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5360.57 |  | [Redact] | $13944.73 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 64.33 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9731872 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 71.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9499996 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 231.56 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9499997 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 244.45 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9500000 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 102.76 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9732148 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13059.81 | $30610.41 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.624% | 35.624% | 35.624% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28605.09 |  | [Redact] | $15545.28 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.600% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.93 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9698057 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2395.00 | $18970.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.640% | 39.640% | 39.640% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2395.00 |  | [Redact] | $12000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 17.350% | No | 20 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.04 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9732721 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10935.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10935.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9733845 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8115.00 | $3005.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.012% | 37.012% | 37.012% | [Redact] | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8115.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 80.3 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 10047039 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $32640.60 | $12886.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 5.997% | 5.997% | 6.551% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $32640.60 |  | [Redact] | $0.00 | 4.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 38.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 66.94 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9735275 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $3000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9735283 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4944.19 | $6114.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.263% | 44.263% | 44.263% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.28000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.28000% \| 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: 3.28000% \| 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: 3.28000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.28000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.28000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 3.28000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4944.19 |  | [Redact] | $13820.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769232 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11802.67 | $9002.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.091% | 7.091% | 7.091% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11802.67 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769302 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $18255.00 | $23082.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.245% | 8.245% | 8.245% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18255.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.330% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.15 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9769475 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $707.60 | $2753.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.495% | 45.495% | 45.495% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $707.60 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769481 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16325.00 | $22070.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.808% | 44.808% | 44.808% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16325.00 |  | [Redact] | $20000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 22.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9802884 | [Redact] | [Redact] | N/A |  |  |  | No | No | $824.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $824.00 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 279.13 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803034 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $26612.98 | $5047.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.240% | 43.240% | 43.240% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $26612.98 |  | [Redact] | $0.00 | 3.4 | LP / LPA |  | Accept/Ineligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 67.95 |  | Yes | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9804556 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4496.35 | $7813.59 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.848% | 31.848% | 31.848% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4496.35 |  | [Redact] | $3000.00 | 2.5 |  |  |  | N/A | No | [Redact] | 1 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.560% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.99 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9804558 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $26600.00 | $11670.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.156% | 37.156% | 37.156% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $26600.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 54.850% | No | 34 | 34 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.04 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804818 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $16977.01 | $18449.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.406% | 31.406% | 31.406% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16977.01 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.68 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9805427 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $27946.00 | $5416.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 3.26 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 23.905% | 23.905% | 23.905% | [Redact] | 750 | 758 | 724 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $27946.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.550% | No |  | 23 | 33 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 38.67 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9805429 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $48840.00 | $8048.02 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.365% | 48.708% | 50.371% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $48840.00 |  | [Redact] | $30000.00 | 4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 49.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.26 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9806548 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $33990.00 | $2071.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.196% | 29.196% | 29.196% | [Redact] | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $33990.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.49 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9808472 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18933.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18933.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 149.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9808475 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18933.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18933.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 25.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9808709 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8690.00 | $10947.88 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.299% | 18.299% | 18.299% |  | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8690.00 |  | [Redact] | $17000.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.320% | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.78 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9808758 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4625.73 | $2307.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed | Employed |  | 5.31 |  |  | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.972% | 44.972% | 44.972% | [Redact] | 795 | 798 | 769 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4625.73 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 95.07 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9808806 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4262.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 828 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4262.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.52 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.43 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768748 | [Redact] |  | Non QM |  |  |  | Yes | No | $9164.35 | $10343.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.230% | 39.230% | 39.230% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9164.35 |  | [Redact] | $1500.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768759 | [Redact] |  | Non QM |  |  |  | Yes | No | $12125.00 | $16021.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.006% | 48.006% | 48.006% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12125.00 |  | [Redact] | $11400.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.320% | 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 |  |  |  |  |  |  |  |  |  |  |  | 36.67 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9768730 | [Redact] |  | Non QM |  |  |  | Yes | No | $15648.75 | $4455.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.909% | 25.909% | 25.909% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 38.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15648.75 |  | [Redact] | $18558.75 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.250% | 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 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 7.6 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768758 | [Redact] |  | Non QM |  |  |  | Yes | No | $19706.94 | $13307.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.101% | 17.101% | 17.101% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $19706.94 |  | [Redact] | $11750.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 14.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.62 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768745 | [Redact] |  | Non QM |  |  |  | Yes | No | $13297.50 | $2692.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.511% | 39.511% | 39.511% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13297.50 |  | [Redact] | $982.50 | 2.3 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768753 | [Redact] |  | Non QM |  |  |  | Yes | No | $17165.00 | $21579.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.417% | 48.417% | 48.417% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 92.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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]; Business Return Transcripts - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $17165.00 |  | [Redact] | $26100.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9808959 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1440.00 | $5212.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.174% | 16.174% | 16.174% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1440.00 |  | [Redact] | $11000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 33 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 123.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9809153 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $6930.00 | $8915.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.230% | 20.230% | 20.230% | [Redact] | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6930.00 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.35 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9809163 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1910.86 | $6521.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.133% | 19.133% | 19.133% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1910.86 |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 10.10 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 39.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.02 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9809936 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18396.92 | $11368.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18396.92 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.430% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.83 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9810051 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3569.00 | $6083.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.639% | 31.639% | 31.639% | [Redact] | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3569.00 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.34 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9810292 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1595.00 | $3114.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.785% | 35.216% | 35.785% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1595.00 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 113.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9810293 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6600.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6600.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 136.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| [Redact] | 9843813 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2190.00 | $4987.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.544% | 17.544% | 17.544% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2190.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 1 | 0 | 2 | 1 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 78.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.85 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 12 |
| [Redact] | 9844270 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11160.00 | $3162.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.599% | 42.599% | 42.599% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11160.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 11 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 134.8 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9844271 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11279.95 | $3282.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.599% | 42.599% | 42.599% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11279.95 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 11 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 134.71 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9844303 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $31990.00 | $1294.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.808% | 40.808% | 40.808% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $31990.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 250.11 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844557 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844560 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18865.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18865.00 |  | [Redact] | $79500.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.56 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9844673 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2480.00 | $331.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.406% | 38.406% | 38.406% | [Redact] | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2480.00 |  | [Redact] | $0.00 | 1 | LP / LPA |  | Accept/Eligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.41 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844717 | [Redact] | [Redact] | N/A |  |  |  | No | No | $720.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $720.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 254.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844719 | [Redact] | [Redact] | N/A |  |  |  | No | No | $1012.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1012.00 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 141.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844724 | [Redact] | [Redact] | N/A |  |  |  | No | No | $852.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $852.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 259.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844723 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2350.00 | $8589.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.394% | 24.394% | 24.394% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2350.00 |  | [Redact] | $210000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.82 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9845322 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2094.00 | $4716.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.571% | 41.571% | 41.571% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2094.00 |  | [Redact] | $10000.00 | 1.4 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 42.120% | No | 17 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 30.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9845828 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.56 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 115.08 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9845835 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | ($750.00) | $4298.81 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.459% | 41.459% | 41.459% | [Redact] | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | ($750.00) |  | [Redact] | $24121.80 | 2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.77 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9845837 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $36446.25 | $66934.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.987% | 49.987% | 49.987% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19989.23 |  | [Redact] | $215000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 11.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.59 | Broker | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9845850 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11090.00 | $12513.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.234% | 27.234% | 27.234% | [Redact] | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11090.00 |  | [Redact] | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.63 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9845891 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $5940.00 | $10254.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.412% | 21.412% | 21.412% | [Redact] | 631 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5940.00 |  | [Redact] | $56000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 7.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9845893 | [Redact] | [Redact] | Safe Harbor QM (APOR) |  |  |  | Yes | No | $57124.50 | $75568.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.534% | 31.534% | 31.534% | [Redact] | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $57124.50 |  | [Redact] | $47000.00 | 2.6 | LP / LPA |  | Accept/Ineligible | N/A | No | [Redact] | 2 | 2 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redact] | [Redact] | 15.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 118.72 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9768755 | [Redact] |  | Non QM |  |  |  | Yes | No | $15346.67 | $9445.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 9.138% | 9.138% | 9.138% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15346.67 |  | [Redact] | $14000.00 | 1.6 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 63.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768742 | [Redact] |  | Non QM |  |  |  | Yes | No | $11916.25 | $19898.20 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.149% | 30.149% | 30.149% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11916.25 |  | [Redact] | $25000.00 | 2.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768760 | [Redact] |  | Non QM |  |  |  | Yes | No | $15162.50 | $21696.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.060% | 21.060% | 21.060% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15162.50 |  | [Redact] | $0.00 | 2.3 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.550% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9768746 | [Redact] |  | N/A |  |  |  | No | No | $8436.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $8436.00 |  | [Redact] | $7400.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.080% | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.29 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9847912 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $12115.00 | $16390.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.373% | 13.373% | 13.373% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12115.00 |  | [Redact] | $0.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.87 | Retail | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9847914 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $28465.00 | $7744.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.592% | 45.592% | 45.592% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28465.00 |  | [Redact] | $10300.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.470% | No |  | 34 |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No |  | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.91 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9848351 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 106 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9848353 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1640.00 | $0.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.851% | 39.851% | 39.851% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1640.00 |  | [Redact] | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 1 |  |  |  | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9251444 | [Redact] |  | Non QM |  |  |  | Yes | No | $15531.50 | $17846.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.423% | 44.423% | 44.423% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15531.50 |  | [Redact] | $12500.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.560% | No | 5 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.72 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9848782 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $34290.00 | $3253.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.897% | 40.897% | 44.474% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $34290.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  | 8 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 443.08 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9850050 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1490.00 | $1911.76 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.828% | 36.828% | 36.828% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.070% | No |  | 22 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 30.07 | Retail | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9850116 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.470% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9850314 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $695.00 | $4477.53 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.973% | 29.973% | 29.973% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $695.00 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9851224 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4555.57 | $1461.86 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.910% | 24.910% | 24.910% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4555.57 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 12 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 701.43 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9851226 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10034.83 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10034.83 |  | [Redact] | $109380.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.760% | 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 |  |  |  |  |  |  |  |  |  |  |  | 51.29 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9851227 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 178.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9851567 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 91.83 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9851859 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $7221.00 | $8653.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.952% | 49.952% | 49.952% | [Redact] | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 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 - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7221.00 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.69 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9852712 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35504.90 | $8972.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.190% | 41.190% | 41.190% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35504.90 |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 1 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 79.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9852722 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4380.44 | $5171.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.775% | 38.775% | 38.775% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| 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: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4380.44 |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.07 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9852723 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 100.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9852732 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $25163.60 | $4543.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.291% | 47.291% | 47.291% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25163.60 |  | [Redact] | $500.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 237.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9855032 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6000.00 | $7794.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6000.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 16.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9855033 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3779.08 | $2788.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3779.08 |  | [Redact] | $0.00 | 2.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 34.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.06 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9855044 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $10175.00 | $11377.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.939% | 32.939% | 32.939% | [Redact] | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.43000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.43000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.43000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.43000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.43000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.43000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10175.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.32 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9855067 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7621.95 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7621.95 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 57.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 11 |
| [Redact] | 9855865 | [Redact] | [Redact] | N/A |  |  |  | No | No | $14577.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14577.50 |  | [Redact] | $1000.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 847.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9856751 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 227.36 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9856869 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $8000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.44 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| [Redact] | 9856882 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4758.33 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4758.33 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 192.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 |
| [Redact] | 9856876 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4582.89 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4582.89 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 220.81 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9856874 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4582.89 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4582.89 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.510% | 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 |  |  |  |  |  |  |  |  |  |  |  | 220.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 |
| [Redact] | 9857097 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4836.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4836.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.27 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9768776 | [Redact] |  | Non QM |  |  |  | Yes | No | $5350.00 | $6408.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.370% | 14.370% | 14.370% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $5350.00 |  | [Redact] | $24622.78 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.87 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9858027 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7638.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $7638.00 |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 66.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.99 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9859561 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $18358.20 | $30896.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.865% | 14.865% | 14.865% | [Redact] | 628 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18358.20 |  | [Redact] | $20000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.320% | 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 |  |  |  |  |  |  |  |  |  |  |  | 17.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859566 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.7 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 37.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.48 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9860181 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1495.00 | $2566.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.890% | 44.890% | 44.890% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1495.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 94.66 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9860188 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 83.11 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9860185 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4602.16 | $5440.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4602.16 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9856759 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9551.28 | $5042.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 40.951% | 40.951% | 40.951% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9551.28 |  | [Redact] | $10000.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 23.520% | No |  | 34 |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.2 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9856775 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1225.00 | $2523.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.100% | 15.100% | 15.100% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1225.00 |  | [Redact] | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 1 |  |  | 8.13 | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 31.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.04 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9856780 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7124.03 | $11171.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.279% | 42.279% | 42.279% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $7124.03 |  | [Redact] | $25000.00 | 2.2 | LP / LPA |  | Accept/Ineligible | No | No | [Redact] | 2 | 1 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | FHLMC - Published after June 2020 | Yes |  | [Redact] | [Redact] | 13.430% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 3.97 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9856782 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5832.77 | $11277.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.217% | 33.217% | 33.217% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $5832.77 |  | [Redact] | $7500.00 | 3.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | FNMA - Published after June 2020 | Yes |  | [Redact] | [Redact] | 40.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.57 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9860459 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $158645.38 | $64074.21 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 10.456% | 10.456% | 10.456% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 20 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<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 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 8]; Other - 2020 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $158645.38 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 8 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  | Employment Authorization |  |  | No | 93.06 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9860460 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7236.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7236.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9860519 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6630.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6630.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9860507 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5000.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9860518 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 102.09 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804069 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 186.81 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804070 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 88.600% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 95.21 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803923 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 305.49 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803924 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.690% | 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 |  |  |  |  |  |  |  |  |  |  |  | 32.74 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9803926 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 64.02 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9803927 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 69.76 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9803928 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.59 | 0.39 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 48.59 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 |
| [Redact] | 9803929 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 15.14 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803930 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity |  |  |  |  |  |  | Yes | Business Entity | 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 | 43.09 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803931 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.7 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 56.58 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9804071 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 54.43 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9803932 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 76.71 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803933 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.55 | 0.39 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 67.05 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803934 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.58 | 0.63 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 15.35 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9803936 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 36.9 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9803938 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.16 | 0.46 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 15.57 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9803939 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 60.97 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 38 |
| [Redact] | 9803940 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 54.59 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 24 |
| [Redact] | 9803942 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 139.64 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803943 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 132.78 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 13 |
| [Redact] | 9803944 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 26.23 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803945 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 68.01 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803946 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 238.46 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9803947 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 85.57 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9803948 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 73.66 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803950 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 76.91 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803951 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 10.83 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803952 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 62.92 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9803953 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 11 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803954 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 18.73 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9803955 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 68.02 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803956 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 2.100% | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.11 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9803957 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 49.78 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 |
| [Redact] | 9803958 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.48 | 0.4 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 125.22 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
| [Redact] | 9803959 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 | 693 | 681 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 70.57 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803960 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.53 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9803961 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 68.42 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803962 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] | 66.760% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 64.1 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803963 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 397.51 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9803964 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 565.55 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 12 |
| [Redact] | 9803965 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.27 | 0.44 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 27.14 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803966 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 13.16 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803967 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.330% | 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 |  |  |  |  |  |  |  |  |  |  |  | 143.31 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9803968 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.5 |  |  |  |  |  |  |  | [Redact] | [Redact] | 8.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.61 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9803969 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 731.2 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9803970 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 61.15 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| [Redact] | 9803971 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.33 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 |
| [Redact] | 9803972 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 8.4 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9803973 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 23.78 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803974 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 8.03 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803976 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 24.87 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803977 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 55.82 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9803978 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 23.170% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.09 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9803979 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 193.45 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803980 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.19 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803981 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 40.19 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803982 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 63.05 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9803984 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 6.21 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9803985 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 59.24 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803986 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 62.12 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9803987 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 60.57 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9803988 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 72.05 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9803989 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 102.66 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 32 |
| [Redact] | 9803990 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 30.55 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9803991 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 64.37 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9803993 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.32 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9803994 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 111.81 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9803995 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.15 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 |
| [Redact] | 9803996 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.260% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 212.92 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9803997 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.56 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 40.12 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9803998 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 59.69 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 17 |
| [Redact] | 9803999 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.250% | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.56 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9804000 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 82.130% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 69.22 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804001 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 84.15 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804002 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 89.67 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804003 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 85.52 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 34 |
| [Redact] | 9804004 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 |  |  |  |  |  |  |  |  | 12.26 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804005 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.380% | 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 |  |  |  |  |  |  |  |  |  |  |  | 27.23 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9804006 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | LLC | Authorized Signor |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 43.11 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9804008 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 18.52 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 17 |
| [Redact] | 9804009 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 21.84 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804010 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 14.37 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9804011 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.520% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.86 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9804012 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.33 | 0.43 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 104.85 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9804013 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.18 | 0.46 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 16.36 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 |
| [Redact] | 9804015 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 49.53 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804017 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.36 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804018 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 234.48 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 17 |
| [Redact] | 9804019 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.57 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.540% | 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 |  |  |  |  |  |  |  |  |  |  |  | 74.44 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804020 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 41.98 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 14 |
| [Redact] | 9804021 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 35.83 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9804022 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 78.37 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 56 |
| [Redact] | 9804023 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | $0.00 |  | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | LLC | Guarantor - Business Entity |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.08 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804024 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 86.09 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9804025 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 101.13 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9804026 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.77 | 0.56 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.520% | 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 |  |  |  |  |  |  |  |  |  |  |  | 126.41 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804027 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 68.62 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804028 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.44 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804029 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 12.28 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804031 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Short Form | 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 |  |  |  |  |  |  |  |  |  |  | No | 10.8 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804032 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.690% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.43 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804033 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 8.82 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804034 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 145.14 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804035 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  | 319.52 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804036 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 88.25 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804037 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 125.68 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804038 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 134.9 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804039 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 134.43 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9804040 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 134.4 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804041 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 135.13 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804042 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 131.78 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804043 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 161.7 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9804044 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.550% | 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 |  |  |  |  |  |  |  |  |  |  |  | 155.74 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804045 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 95.03 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 17 |
| [Redact] | 9804046 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | $0.00 | [Redact] |  | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  |  | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Guarantor - Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.08 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9804047 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 361.78 | Broker |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9804048 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.610% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 29.83 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804049 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.61 |  |  |  |  |  |  |  | [Redact] | [Redact] | 62.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 |  |  |  |  |  |  |  |  | 40.24 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804050 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 11.300% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.19 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804051 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 63 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804052 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.84 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 |
| [Redact] | 9804053 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.610% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.06 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804055 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 17 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804056 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 314.75 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 76 |
| [Redact] | 9804057 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 106.52 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804060 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 51.68 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804061 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 60.470% | 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 |  |  |  |  |  |  |  |  |  |  |  | 40.39 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9804062 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.330% | 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 |  |  |  |  |  |  |  |  |  |  |  | 183.52 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804063 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 103.95 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804064 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.340% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 53.98 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9804065 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 43.18 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804066 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 139.13 | Broker |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9804067 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 40.41 | Retail |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9804068 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | [Redact] | [Redact] | 41.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 52.28 | Retail |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9860573 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | [Redact] | [Redact] | 49.230% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9860576 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 93.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9860961 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $7440.81 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 167.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9860975 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $17895.75 | $23662.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.098% | 49.098% | 49.098% | [Redact] | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 74.000% |  | 50.000% |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17895.75 |  | [Redact] | $0.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.59 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9861256 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 163.23 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9861310 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 69.93 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9861425 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4914.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4914.00 |  | [Redact] | $5670.00 | 1.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.37 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9861427 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $4800.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.14 | 0.47 |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.100% | 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 |  |  |  |  |  |  |  |  |  |  |  | 23.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9861428 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6867.35 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6867.35 |  | [Redact] | $4838.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.64 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9861659 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11132.00 | $6174.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.329% | 48.329% | 48.329% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11132.00 |  | [Redact] | $3164.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 685.58 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10065123 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $9185.48 | $8840.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.099% | 35.099% | 35.099% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<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 - 2013 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9185.48 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 77.820% | 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 |  |  |  |  |  |  |  |  |  |  |  | 47.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9861660 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1590.00 | $3602.45 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.183% | 28.183% | 28.183% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1590.00 |  | [Redact] | $5000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 120 |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 693.46 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9498133 | [Redact] |  | N/A |  |  |  | No | No | $7500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7500.00 |  | [Redact] | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 93.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9862195 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18596.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $18596.25 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 25.42 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9862198 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9550.80 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $9550.80 |  | [Redact] | $16000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.52 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9862200 | [Redact] | [Redact] | N/A |  |  |  | No | No | $3733.12 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3733.12 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 64.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896462 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $13195.00 | $3061.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 3.559% | 3.559% | 3.559% | [Redact] | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13195.00 |  | [Redact] | $0.00 | 4.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | No | 47.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896457 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8995.20 | $12613.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.692% | 42.692% | 42.692% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8995.20 |  | [Redact] | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.830% | No | 32 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.59 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9896604 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9817.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9817.50 |  | [Redact] | $0.00 | 1.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 10.02 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9896605 | [Redact] | [Redact] | N/A |  |  |  | No | No | $17150.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17150.00 |  | [Redact] | $500.00 | 2.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 11.940% | No |  |  |  |  | Yes | Short Form | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9896621 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $35669.56 | $5565.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.427% | 37.427% | 37.427% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35669.56 |  | [Redact] | $2000.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 351.64 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9896648 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $1575.00 | $6913.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.283% | 18.283% | 18.283% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1575.00 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 55.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 62.84 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896652 | [Redact] | [Redact] | N/A |  |  |  | No | No | $12502.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12502.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 91.52 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 |
| [Redact] | 9897044 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 72.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9859788 | [Redact] |  | Non QM |  |  |  | Yes | No | $8185.00 | $8445.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.942% | 44.942% | 44.942% | [Redact] | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8185.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859825 | [Redact] |  | Non QM |  |  |  | Yes | No | $13240.00 | $26577.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.214% | 11.214% | 11.214% | [Redact] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13240.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.27 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9859808 | [Redact] |  | Non QM |  |  |  | Yes | No | $15275.00 | $16490.29 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.327% | 39.327% | 39.327% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15275.00 |  | [Redact] | $52250.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 10.47 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859818 | [Redact] |  | ATR Risk |  |  |  | Yes | No | $23863.00 | $17046.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $23863.00 |  | [Redact] | $9625.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 185.02 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859810 | [Redact] |  | Non QM |  |  |  | Yes | No | $39085.00 | $11813.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.388% | 13.388% | 13.388% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 35.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| 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: 35.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $39085.00 |  | [Redact] | $19500.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 46.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.86 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9859807 | [Redact] |  | Non QM |  |  |  | Yes | No | $6365.00 | $8129.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.356% | 6.356% | 6.356% | [Redact] | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6365.00 |  | [Redact] | $22976.27 | 1.3 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859791 | [Redact] |  | Non QM |  |  |  | Yes | No | $5960.00 | $9110.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.363% | 32.363% | 32.363% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $5960.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 238.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859802 | [Redact] |  | Non QM |  |  |  | Yes | No | $13190.00 | $16121.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.923% | 47.923% | 47.923% | [Redact] | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13190.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 1 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859803 | [Redact] |  | Exempt from ATR |  |  |  | No | No | $15444.72 | $8440.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.381% | 18.381% | 18.381% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15444.72 |  | [Redact] | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.48 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859800 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 77.09 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9859816 | [Redact] |  | N/A |  |  |  | No | No | $5102.65 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 641 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5102.65 |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 123.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9859781 | [Redact] |  | N/A |  |  |  | No | No | $8062.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $8062.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 52.91 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9859798 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 | 117.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859824 | [Redact] |  | N/A |  |  |  | No | No | $11693.20 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $11693.20 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 74.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859787 | [Redact] |  | N/A |  |  |  | No | No | $11900.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11900.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 63.48 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859806 | [Redact] |  | N/A |  |  |  | No | No | $9440.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9440.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 95.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859826 | [Redact] |  | N/A |  |  |  | No | No | $16550.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16550.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 102.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859811 | [Redact] |  | N/A |  |  |  | No | No | $14400.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | [Redact] | $14400.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 23.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.42 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9859812 | [Redact] |  | N/A |  |  |  | No | No | $10762.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10762.50 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 15.88 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9859814 | [Redact] |  | N/A |  |  |  | No | No | $10837.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10837.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | [Redact] | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 45.79 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859822 | [Redact] |  | N/A |  |  |  | No | No | $6874.70 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6874.70 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.29 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859793 | [Redact] |  | N/A |  |  |  | No | No | $13541.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13541.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.23 | 0.45 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 130.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9898545 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.970% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.59 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9898547 | [Redact] | [Redact] | N/A |  |  |  | No | No | $8364.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 825 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8364.00 |  | [Redact] | $0.00 | 1.8 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 213.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9898621 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2496.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2496.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.91 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9898638 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 720 | 756 | 806 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7875.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 164.6 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9898640 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $51495.00 | $8359.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.314% | 39.314% | 39.314% | [Redact] | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $51495.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.090% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9898645 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 4.45 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9914959 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4846.87 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4846.87 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 42.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.14 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9915108 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.7 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.21 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9915111 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6187.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6187.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.58 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9915112 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $4588.50 | $5486.14 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.650% | 29.650% | 29.650% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4588.50 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 48.3 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9915507 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12360.00 | $15558.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 11.002% | 11.002% | 11.002% | [Redact] | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12360.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 70.88 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9915499 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $12091.50 | $12009.31 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.525% | 15.525% | 15.525% | [Redact] | 629 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $17091.50 |  | [Redact] | $5000.00 | 4.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 83.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.42 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9915497 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2256.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2256.00 |  | [Redact] | $0.00 | 3.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | [Redact] | [Redact] | 68.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.2 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9915519 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7194.82 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7194.82 |  | [Redact] | $6732.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 1221.41 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9915521 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1490.00 | $2670.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.175% | 28.175% | 28.175% | [Redact] | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 64.150% | No | 35 | 34 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.88 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9915648 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $34904.28 | $8335.89 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.839% | 47.839% | 47.839% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $34904.28 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 287.88 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9917550 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10875.00 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 3.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 61.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9917551 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10875.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  | 360 | [Redact] | [Redact] | 3.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.65 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9917629 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8782.00 | $5578.79 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.386% | 7.386% | 7.386% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| 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 - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8782.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 55.57 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9917633 | [Redact] | [Redact] | N/A |  |  |  | No | No | $2550.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2550.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9917628 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5472.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5472.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 163.31 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9917636 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10290.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10290.00 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 69.090% | 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 |  |  |  |  |  |  |  |  |  |  |  | 64.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9917644 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4819.90 | $6478.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.035% | 29.035% | 29.035% |  | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4819.90 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.8 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9917676 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3792.50 | $5418.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.728% | 37.728% | 37.728% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3792.50 |  | [Redact] | $8700.00 | 3.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 70.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 75.59 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9917678 | [Redact] | [Redact] | N/A |  |  |  | No | No | $14812.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14812.50 |  | [Redact] | $7900.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.53 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 203.94 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 5 |
| [Redact] | 9917737 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2024.48 | $3666.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.311% | 39.311% | 39.311% | [Redact] | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2024.48 |  | [Redact] | $500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 32 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 175.25 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9917738 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $1490.00 | $4858.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.858% | 37.858% | 37.858% | [Redact] | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1490.00 |  | [Redact] | $1000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 75.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 15 |
| [Redact] | 9917969 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 99.72 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9917990 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $31058.00 | $4826.38 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.954% | 32.954% | 32.954% | [Redact] | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $31058.00 |  | [Redact] | $500.00 | 2.1 |  |  |  | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 36.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9918063 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5684.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5684.00 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 115.54 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9918064 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 237.07 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9918065 | [Redact] | [Redact] | N/A |  |  |  | No | No | $4887.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4887.75 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.02 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 34.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9918066 | [Redact] | [Redact] | N/A |  |  |  | No | No | $5100.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5100.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 79.63 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9918170 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $14022.90 | $5904.57 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.729% | 44.729% | 44.729% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14022.90 |  | [Redact] | $0.00 | 3.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.64 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9918166 | [Redact] | [Redact] | N/A |  |  |  | No | No | $18187.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $18187.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | [Redact] | [Redact] | 47.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 166.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9951053 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $13095.00 | $16430.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.659% | 30.659% | 30.659% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 80.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2010 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13095.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.98 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9953377 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $28090.00 | $5899.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.038% | 43.038% | 43.038% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28090.00 |  | [Redact] | $15000.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 24.850% | No |  | 34 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.84 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9953380 | [Redact] | [Redact] | N/A |  |  |  | No | No | $9800.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9800.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 |  |  |  |  |  |  |  |  | 69.86 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9953630 | [Redact] | [Redact] | N/A |  |  |  | No | No | $19500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $19500.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 134.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9953804 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10875.00 |  | [Redact] | $2072.77 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 81.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 118.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9953805 | [Redact] | [Redact] | N/A |  |  |  | No | No | $10875.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $10875.00 |  | [Redact] | $2072.77 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 244.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9953829 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $2189.60 | $3775.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.257% | 7.257% | 7.257% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2189.60 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 237.85 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954312 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $3693.26 | $4348.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.527% | 49.527% | 49.527% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3693.26 |  | [Redact] | $6000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 51.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.39 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954491 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $46390.00 | $2997.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.039% | 47.039% | 47.039% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $46390.00 |  | [Redact] | $1299.00 | 3.8 |  |  |  | N/A | No | [Redact] | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 10.57 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 15.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 268 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9954492 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $43390.00 | $7168.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.136% | 47.136% | 47.136% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $43390.00 |  | [Redact] | $8000.00 | 4.4 |  |  |  | N/A | No | [Redact] | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 10.57 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 20.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 285.65 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 9954584 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 107.1 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9954656 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 92.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859796 | [Redact] |  | Non QM |  |  |  | Yes | No | $24915.20 | $32324.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.370% | 49.370% | 49.370% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $24915.20 |  | [Redact] | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.140% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.2 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859797 | [Redact] |  | Non QM |  |  |  | Yes | No | $15862.20 | $7773.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.201% | 39.201% | 39.201% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15862.20 |  | [Redact] | $4000.00 | 2.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 50.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859829 | [Redact] |  | Non QM |  |  |  | Yes | No | $22666.00 | $10092.74 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.620% | 45.620% | 45.620% | [Redact] | 652 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 75.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [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]; 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]; 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]; Other - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $22666.00 |  | [Redact] | $0.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | [Redact] | 1 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859799 | [Redact] |  | Non QM |  |  |  | Yes | No | $13581.59 | $11366.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.882% | 49.882% | 49.882% | [Redact] | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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]; 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]; 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]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $13581.59 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.13 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859767 | [Redact] |  | Non QM |  |  |  | Yes | No | $22465.00 | $32873.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.327% | 30.327% | 30.327% | [Redact] | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 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]; 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 - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $22465.00 |  | [Redact] | $36000.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.120% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport, VISA |  |  |  |  | 37.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859782 | [Redact] |  | Non QM |  |  |  | Yes | No | $12259.00 | $6307.67 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.584% | 33.584% | 33.584% | [Redact] | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $12259.00 |  | [Redact] | $0.00 | 2.1 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.67 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859773 | [Redact] |  | Non QM |  |  |  | Yes | No | $7145.00 | $8963.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.679% | 33.679% | 33.679% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| 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: 75.00000% \| 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: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $7145.00 |  | [Redact] | $0.00 | 3.5 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 21.040% | 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 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.76 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859794 | [Redact] |  | Non QM |  |  |  | Yes | No | $18284.60 | $24494.60 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.287% | 42.287% | 42.287% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $18284.60 |  | [Redact] | $30000.00 | 1 | DU |  | ApproveIneligible | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.830% | 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 |  |  |  |  |  |  |  |  |  |  |  | 12.36 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859784 | [Redact] |  | Non QM |  |  |  | Yes | No | $22387.00 | $14038.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.033% | 36.033% | 36.033% | [Redact] | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $22387.00 |  | [Redact] | $0.00 | 1.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859769 | [Redact] |  | N/A |  |  |  | No | No | $15937.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15937.50 |  | [Redact] | $0.00 | 1.2 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9859777 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  | [Redact] | $7180.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 152.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859779 | [Redact] |  | N/A |  |  |  | No | No | $9238.95 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9238.95 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.84 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9859789 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9859776 | [Redact] |  | N/A |  |  |  | No | No | $13113.75 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13113.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  |  | No | 39.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9859820 | [Redact] |  | N/A |  |  |  | No | No | $18375.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $18375.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.91 | 0.52 |  |  |  |  |  |  |  | [Redact] | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 45.71 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9859827 | [Redact] |  | N/A |  |  |  | No | No | $6394.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6394.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.17 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9768729 | [Redact] |  | Exempt from ATR |  |  |  | No | No | $19785.00 | $8650.56 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.313% | 12.313% | 12.313% | [Redact] | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - C-Corp]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $19785.00 |  | [Redact] | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 90.86 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9956980 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $5594.54 | $4017.49 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.294% | 24.294% | 24.294% | [Redact] | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5594.54 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.41 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9956985 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $11612.32 | $17086.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.244% | 25.244% | 25.244% | [Redact] | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11612.32 |  | [Redact] | $8000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.510% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9957021 | [Redact] | [Redact] | N/A |  |  |  | No | No | $7124.06 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7124.06 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 45.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.89 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9957075 | [Redact] | [Redact] | N/A |  |  |  | No | No | $11020.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11020.50 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.21 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 122.21 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9957911 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $28679.42 | $12120.90 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 15.486% | 15.486% | 15.486% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28679.42 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 44.130% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9957899 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $26386.64 | $7940.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.301% | 16.301% | 16.301% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $26386.64 |  | [Redact] | $1000.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 62.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 |
| [Redact] | 9957891 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6177.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6177.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 58.19 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9957880 | [Redact] | [Redact] | N/A |  |  |  | No | No | $6737.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6737.50 |  | [Redact] | $0.00 | 3.3 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 161.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859809 | [Redact] |  | Non QM |  |  |  | Yes | No | $7642.45 | $8695.92 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.158% | 49.158% | 49.158% | [Redact] | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 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]; 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]; Other - 2012 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $7642.45 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859771 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 25.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9977656 | [Redact] | [Redact] | N/A |  |  |  | No | No | $8641.87 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8641.87 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 30.14 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redact] | 9978968 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $7834.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.75 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9978960 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $44345.00 | $14542.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.292% | 30.292% | 30.292% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $44345.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 23.9 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9978976 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $11833.72 | $12732.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 14.837% | 14.837% | 14.837% | [Redact] | 636 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11833.72 |  | [Redact] | $7000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 267.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979021 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 89.17 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9979024 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $8027.30 | $10972.72 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.214% | 42.214% | 42.214% | [Redact] | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8027.30 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 |  | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859780 | [Redact] |  | N/A |  |  |  | No | No | $7182.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7182.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 27.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859772 | [Redact] |  | N/A |  |  |  | No | No | $8612.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8612.50 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.79 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9859775 | [Redact] |  | N/A |  |  |  | No | No | $12716.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12716.00 |  | [Redact] | $19145.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | [Redact] | [Redact] | 59.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.22 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9501876 | [Redact] |  | N/A |  |  |  | No | No | $25840.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25840.00 |  | [Redact] | $0.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | [Redact] | [Redact] | 29.840% | 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 |  |  |  |  |  |  |  |  |  |  |  | 5.57 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9613076 | [Redact] |  | N/A |  |  |  | No | No | $28152.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28152.00 |  | [Redact] | $0.00 | 2.6 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 26.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.66 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9769235 | [Redact] |  | N/A |  |  |  | No | No | $13996.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $13996.00 |  | [Redact] | $6998.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.19 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9804487 | [Redact] |  | N/A |  |  |  | No | No | $6200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6200.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.05 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9736682 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | [Redact] | [Redact] | 13.590% | 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 |  |  |  |  |  |  |  |  |  |  |  | 37.74 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 |
| [Redact] | 9983337 | [Redact] | [Redact] | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 96 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 |
| [Redact] | 9983339 | [Redact] | [Redact] | N/A |  |  |  | No | No | $15477.58 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15477.58 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 133.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9859830 | [Redact] |  | N/A |  |  |  | No | No | $25200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $25200.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.33 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9859783 | [Redact] |  | N/A |  |  |  | No | No | $15300.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $15300.00 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 139.04 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9768761 | [Redact] |  | Non QM |  |  |  | Yes | No | $15177.32 | $12362.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.159% | 45.159% | 45.159% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15177.32 |  | [Redact] | $0.00 | 1.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896373 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 2 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.080% | 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 |  |  |  |  |  |  |  |  |  |  |  | 18.02 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9896387 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.87 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9859813 | [Redact] |  | Non QM |  |  |  | Yes | No | $6140.00 | $6445.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.755% | 49.755% | 49.755% | [Redact] | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6140.00 |  | [Redact] | $0.00 | 2.2 | DU |  | ApproveEligible | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 17.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9844380 | [Redact] |  | N/A |  |  |  | No | No | $26250.00 | $11545.07 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 6.002% | 6.002% | 6.002% | [Redact] | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $26250.00 |  | [Redact] | $0.00 | 2 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 7.35 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 9954502 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1758.00 | $5016.48 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.062% | 44.062% | 44.062% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; 1099-R - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1758.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 65.680% | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.5 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954507 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5292.00 | $6939.11 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.061% | 35.061% | 35.061% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5292.00 |  | [Redact] | $15000.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 60.420% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 58.89 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954497 | [Redact] |  | N/A |  |  |  | No | No | $1887.20 | $5269.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.483% | 29.483% | 29.483% | [Redact] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1887.20 |  | [Redact] | $6500.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.530% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 71.46 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954500 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6808.00 | $8785.51 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.132% | 35.132% | 35.132% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6808.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 8.120% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.75 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954495 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35681.70 | $14994.63 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.049% | 31.049% | 31.049% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $35681.70 |  | [Redact] | $24281.57 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 7.03 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 29.190% | 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 |  |  |  |  |  |  |  |  |  |  |  | 27.43 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954508 | [Redact] |  | Non QM |  |  |  | Yes | No | $1998.00 | $7365.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.364% | 20.364% | 20.364% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1998.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 36.030% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.03 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954503 | [Redact] |  | Exempt from ATR | Safe Harbor QM (APOR) | Yes |  | Yes | No | $2234.40 | $6947.87 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.503% | 42.503% | 42.503% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2234.40 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 7.83 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.7 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954514 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1023.00 | $2134.34 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.368% | 33.368% | 33.368% | [Redact] | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Deposit Receipt - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Divorce Decree - 2025<br> [Borrower - \| Non-Primary Income - Child Support]; Child Support Order - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1023.00 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 30.190% | No | 32 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.36 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954499 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1473.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.743% | 26.743% | 26.743% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 6 | 18 |  |  | 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 | 15.4 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954513 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6845.25 | $8801.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.735% | 39.735% | 39.735% | [Redact] | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $6845.25 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 20.980% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.84 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954509 | [Redact] |  | N/A |  |  |  | No | No | $3776.40 | $5470.61 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.820% | 49.820% | 49.820% | [Redact] | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3776.40 |  | [Redact] | $5000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 7.60 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 57.750% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954515 | [Redact] |  | Non QM |  |  |  | Yes | No | $12815.00 | $6629.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.568% | 31.568% | 31.568% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $12815.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 98.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 114.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954504 | [Redact] |  | N/A |  |  |  | No | No | $11431.36 | $12849.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.334% | 40.513% | 47.334% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $11431.36 |  | [Redact] | $22000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 49.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.7 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954523 | [Redact] |  | Non QM |  |  |  | Yes | No | $1598.00 | $3607.10 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 19.589% | 17.919% | 19.589% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1598.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No | 33 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 727.32 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954501 | [Redact] |  | N/A |  |  |  | No | No | $2335.00 | $4292.68 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.880% | 28.880% | 28.880% | [Redact] | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2335.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 139.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954511 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1732.00 | $7579.75 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 36.851% | 36.851% | 36.851% | [Redact] | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1732.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 147.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954522 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3892.00 | $5842.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.765% | 25.765% | 25.765% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3892.00 |  | [Redact] | $5000.00 | 1.7 |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 71.090% | No | 29 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 68.75 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954520 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $921.00 | $5219.91 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.853% | 21.853% | 21.853% | [Redact] | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $921.00 |  | [Redact] | $2000.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 76.490% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 79.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954512 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1555.00 | $4279.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 25.460% | 25.460% | 25.460% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1555.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 8.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | 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 | 12.68 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9954506 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5213.92 | $7334.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.858% | 39.858% | 39.858% | [Redact] | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5213.92 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No | 43 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 146.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954517 | [Redact] |  | N/A |  |  |  | No | No | $1809.54 | $2876.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.592% | 37.592% | 37.592% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1809.54 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 52.880% | 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 |  |  |  |  |  |  |  |  |  |  |  | 48.14 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9954505 | [Redact] |  | N/A |  |  |  | No | No | $2855.00 | $6123.04 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.487% | 29.487% | 29.487% | [Redact] | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2855.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 73.920% | No | 15 | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 72.06 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9954518 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3020.00 | $3945.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.345% | 21.345% | 21.345% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3020.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 38.880% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.14 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9502503 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $1000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | [Redact] | [Redact] | 69.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 140.16 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 |
| [Redact] | 9239731 | [Redact] |  | N/A |  |  |  | No | No | $21784.48 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $21784.48 |  | [Redact] | $16500.00 |  |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | [Redact] | [Redact] | 17.530% | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9688973 | [Redact] |  | N/A |  |  |  | No | No | $44950.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $44950.00 |  | [Redact] | $0.00 | 2.9 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.73 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 293.38 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9734324 | [Redact] |  | N/A |  |  |  | No | No | $4200.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4200.00 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 112 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9848691 | [Redact] |  | N/A |  |  |  | No | No | $5062.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $5062.50 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 39.02 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9652903 | [Redact] |  | N/A |  |  |  | No | No | $33340.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $33340.00 |  | [Redact] | $2500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.25 |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.870% | 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 |  |  |  |  |  |  |  |  |  |  |  | 6.76 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9693579 | [Redact] |  | N/A |  |  |  | No | No | $3836.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3836.25 |  | [Redact] | $0.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | [Redact] | [Redact] | 56.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 31.95 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9807904 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 3.4 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.59 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 9858024 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $5000.00 | 1.1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.49 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 9896455 | [Redact] |  | N/A |  |  |  | No | No | $17535.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $17535.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 113.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9850047 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $10000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.03 |  |  |  |  |  |  |  | [Redact] | [Redact] | 9.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 170.62 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 9808466 | [Redact] |  | N/A |  |  |  | No | No | $28365.38 | $7722.03 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 31.187% | 24.970% | 31.187% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $28365.38 |  | [Redact] | $6000.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  |  |  |  | 240 | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.37 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10086297 | [Redact] | [Redact] | Non QM |  |  |  | Yes | No | $2945.00 | $6369.12 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 26.466% | 26.466% | 26.466% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2945.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 65.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.29 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10088958 | [Redact] | [Redact] | Exempt from ATR |  |  |  | No | No | $4225.00 | $5584.82 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | [Redact] |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 17.668% | 17.668% | 17.668% | [Redact] | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4225.00 |  | [Redact] | $500.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 4.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 8.34 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9367625 | [Redact] |  | N/A |  |  |  | No | No | $4513.85 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4513.85 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 7.5 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9848690 | [Redact] |  | N/A |  |  |  | No | No | $16042.50 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $16042.50 |  | [Redact] | $0.00 | 1.5 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  |  |  |  |  |  | [Redact] | [Redact] | 91.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | 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 |  |  |  |  |  |  |  |  | 76.3 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9850334 | [Redact] |  | N/A |  |  |  | No | No | $4500.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4500.00 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] |  | 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 | 25.4 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 12 |
| [Redact] | 9861308 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | [Redact] | [Redact] | 6.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.55 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 |
| [Redact] | 9697697 | [Redact] |  | N/A |  |  |  | No | No | $5700.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5700.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.06 | 0.48 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.43 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9808470 | [Redact] |  | N/A |  |  |  | No | No | $23100.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $23100.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | [Redact] | [Redact] | 34.900% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.46 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9896620 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 4.2 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  | 240 | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 3.45 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 |
| [Redact] | 9769313 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 96.85 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9860182 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 11 |
| [Redact] | 9808702 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.77 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 74 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9808706 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 73.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9810304 | [Redact] |  | N/A |  |  |  | No | No | $0.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  | No | 36.12 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9849209 | [Redact] |  | N/A |  |  |  | No | No | $19350.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $19350.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | [Redact] |  |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 117.52 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979560 | [Redact] |  | N/A |  |  |  | No | No | $11548.00 | $4644.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 7.617% | 7.617% | 7.617% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $11548.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 189.92 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9979561 | [Redact] |  | N/A |  |  |  | No | No | $10651.20 | $4531.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.166% | 8.166% | 8.166% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10651.20 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 220.98 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 |
| [Redact] | 9979489 | [Redact] |  | N/A |  |  |  | No | No | $10201.27 | $6118.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.687% | 20.687% | 20.687% | [Redact] | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $10201.27 |  | [Redact] | $0.00 | 1.3 |  |  |  | N/A | No | [Redact] | 0 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9979571 | [Redact] |  | Non QM |  |  |  | Yes | No | $1893.00 | $4528.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.112% | 27.112% | 27.112% | [Redact] | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1893.00 |  | [Redact] | $11995.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 25.340% | 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 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 9.03 | Retail |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979619 | [Redact] |  | Non QM |  |  |  | Yes | No | $2049.00 | $9476.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 38.788% | 34.742% | 38.788% | [Redact] | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 74.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2049.00 |  | [Redact] | $0.00 | 1 |  |  |  | Yes | No | [Redact] | 0 | 2 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | [Redact] |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.75 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9694918 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1.1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | [Redact] | [Redact] | 35.800% | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.32 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 9979620 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | [Redact] |  |  | 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 | 124.09 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10084785 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 |  |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.49 | Retail |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 |
| [Redact] | 10084710 | [Redact] |  | N/A |  |  |  | No | No |  |  |  |  | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 627 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  |  | $0.00 | 1 |  |  |  | No | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | [Redact] | $0.00 |  | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  | No | 0 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979572 | [Redact] |  | Non QM |  |  |  | Yes | No | $15581.40 | $16393.05 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.947% | 37.947% | 37.947% | [Redact] | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $15581.40 |  | [Redact] | $0.00 | 2.2 |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.37 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979428 | [Redact] |  | Non QM |  |  |  | Yes | No | $8610.90 | $10894.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.309% | 21.309% | 21.309% | [Redact] | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $8610.90 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.720% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.42 | Retail | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10084947 | [Redact] |  | Non QM |  |  |  | Yes | No | $9871.00 | $12556.13 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.760% | 34.760% | 34.760% | [Redact] | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 58.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $9871.00 |  | [Redact] | $46500.00 | 1 |  |  |  | Yes | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 0.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.11 | Broker |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 9979584 | [Redact] |  | Non QM |  |  |  | Yes | No | $3709.60 | $7809.44 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.257% | 37.257% | 37.257% | [Redact] | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $3709.60 |  | [Redact] | $20000.00 | 1.1 |  |  |  | Yes | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 12.880% | No |  | 35 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.88 | Retail | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10084685 | [Redact] |  | Non QM |  |  |  | Yes | No | $1420.00 | $8920.08 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.154% | 34.154% | 34.154% | [Redact] | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $1420.00 |  | [Redact] | $0.00 | 4.2 |  |  |  | No | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 1 |  |  | 10.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 28.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.58 | Retail | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 9979575 | [Redact] |  | Non QM |  |  |  | Yes | No | $2290.00 | $3639.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.135% | 42.135% | 42.135% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $2290.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 31.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.2 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10084874 | [Redact] |  | Non QM |  |  |  | Yes | No | $5275.00 | $6224.37 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.994% | 48.994% | 48.994% | [Redact] | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 93.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 16.76000% \| 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: 16.76000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $5275.00 |  | [Redact] | $2000.00 | 2 |  |  |  | No | No | [Redact] | 2 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 10.830% | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.35 | Retail |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091833 | [Redact] |  | N/A |  |  |  | No | No | $14700.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $14700.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | [Redact] | [Redact] | 61.040% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.96 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091836 | [Redact] |  | N/A |  |  |  | No | No | $9120.00 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9120.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | [Redact] | [Redact] | 5.000% | No |  |  |  |  | Yes | Final | 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 |  |  |  |  |  |  |  |  |  |  |  | 22.37 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| [Redact] | 10091823 | [Redact] |  | N/A |  |  |  | No | No | $5546.25 |  |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 0.000% | 0.000% | 0.000% | [Redact] | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5546.25 |  | [Redact] | $5100.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | [Redact] | [Redact] | 72.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 |
| [Redact] | 10091787 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3034.20 | $5002.78 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 45.785% | 45.785% | 45.785% | [Redact] | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3034.20 |  | [Redact] | $13909.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 27.190% | No | 33 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091794 | [Redact] |  | N/A |  |  |  | No | No | $5597.00 | $6911.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.380% | 42.380% | 42.380% | [Redact] | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5597.00 |  | [Redact] | $3500.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 87.850% | 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 |  |  |  |  |  |  |  |  |  |  |  | 76.36 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091809 | [Redact] |  | N/A |  |  |  | No | No | $1553.00 | $4439.42 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.800% | 42.800% | 42.800% | [Redact] | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1553.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 12 | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 95.99 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091814 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1425.00 | $3364.95 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 34.245% | 34.245% | 34.245% | [Redact] | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1425.00 |  | [Redact] | $0.00 | 3.7 |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 8.97 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | 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 | 53.96 |  | No | No |  | [Redact] | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091789 | [Redact] |  | Non QM |  |  |  | Yes | No | $1478.00 | $1693.69 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 8.742% | 8.742% | 8.742% | [Redact] | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2011 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1478.00 |  | [Redact] | $2000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 60.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091784 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2208.20 | $5599.64 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.067% | 33.067% | 33.067% | [Redact] | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2208.20 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 33 | 33 |  |  | 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 | 16.14 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091810 | [Redact] |  | N/A |  |  |  | No | No | $1723.00 | $4032.26 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.978% | 29.978% | 29.978% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1723.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 30.080% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.88 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091791 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $645.00 | $1357.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.491% | 28.491% | 28.491% | [Redact] | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $645.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 636.65 |  | Yes | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091800 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $899.00 | $7748.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.234% | 35.234% | 35.234% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $899.00 |  | [Redact] | $1400.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 78.050% | No | 33 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 90.45 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091835 | [Redact] |  | Non QM |  |  |  | Yes | No | $13387.39 | $8454.46 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.298% | 18.298% | 18.298% | [Redact] | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $13387.39 |  | [Redact] | $16500.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 128.59 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091783 | [Redact] |  | Non QM |  |  |  | Yes | No | $8785.84 | $10167.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.785% | 44.785% | 44.785% | [Redact] | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8785.84 |  | [Redact] | $116000.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 16.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.11 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091817 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3500.00 | $5307.15 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 47.738% | 47.738% | 47.738% | [Redact] | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3500.00 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 314.14 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091824 | [Redact] |  | N/A |  |  |  | No | No | $1624.64 | $1983.28 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 29.219% | 29.219% | 29.219% | [Redact] | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1624.64 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 161.04 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091806 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $88.06 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.989% | 35.989% | 35.989% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] |  |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.01 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091799 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9603.75 | $12568.73 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 46.051% | 46.051% | 46.051% | [Redact] | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $9603.75 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 1 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091807 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2105.00 | $6219.25 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 22.678% | 22.678% | 22.678% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2105.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 31.480% | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.39 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091782 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8183.00 | $12172.32 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 35.665% | 35.665% | 35.665% | [Redact] | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8183.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 43.140% | No | 32 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.13 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091795 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1555.00 | $4527.62 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 39.096% | 39.096% | 39.096% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1555.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 271.09 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091812 | [Redact] |  | N/A |  |  |  | No | No | $1882.26 | $3498.54 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 49.372% | 49.372% | 49.372% | [Redact] | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1882.26 |  | [Redact] | $0.00 | 1 |  |  |  | N/A | No | [Redact] | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 9.50 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  | 34 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 324.3 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 10091798 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2175.00 | $2473.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.332% | 42.332% | 42.332% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2175.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.56 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091788 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4645.75 | $9447.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 24.242% | 24.242% | 24.242% | [Redact] | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $4645.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.98 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091816 | [Redact] |  | Non QM |  |  |  | Yes | No | $1489.05 | $2991.65 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 37.273% | 37.273% | 37.273% | [Redact] | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1489.05 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 310.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091842 | [Redact] |  | N/A |  |  |  | No | No | $7040.00 | $8965.01 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 16.337% | 16.337% | 16.337% | [Redact] | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7040.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 33.060% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091845 | [Redact] |  | Non QM |  |  |  | Yes | No | $2430.00 | $3480.22 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 21.120% | 21.120% | 21.120% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2430.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 169.02 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091841 | [Redact] |  | Non QM |  |  |  | Yes | No | $20520.00 | $23191.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.056% | 43.056% | 43.056% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employment Contract - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employment Offer - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $20520.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 53.650% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 58.2 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091821 | [Redact] |  | Non QM |  |  |  | Yes | No | $899.00 | $1910.35 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 44.282% | 44.282% | 44.282% | [Redact] | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $899.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] |  |  | No | 33 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.08 |  |  | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091848 | [Redact] |  | N/A |  |  |  | No | No | $1435.00 | $2514.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.208% | 41.208% | 41.208% | [Redact] | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1435.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 115.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091797 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $899.00 | $4404.96 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.428% | 43.428% | 43.428% | [Redact] | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $899.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.25 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091837 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3063.00 | $4423.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.613% | 43.613% | 43.613% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3063.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 36.480% | No | 21 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.1 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091847 | [Redact] |  | Non QM |  |  |  | Yes | No | $710.00 | $2576.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 20.126% | 20.126% | 20.126% | [Redact] | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $710.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 226.9 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091792 | [Redact] |  | N/A |  |  |  | No | No | $1430.28 | $5743.50 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.102% | 32.102% | 32.102% | [Redact] | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1430.28 |  | [Redact] | $9500.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 100.000% | No | 33 | 32 |  |  | Yes | Final | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 139.57 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| [Redact] | 10091796 | [Redact] |  | Non QM |  |  |  | Yes | No | $2173.00 | $6887.17 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 18.255% | 18.255% | 18.255% | [Redact] | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 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]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2173.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 3 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 293.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 10091790 | [Redact] |  | Non QM |  |  |  | Yes | No | $45029.40 | $29746.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 3.844% | 3.844% | 3.844% | [Redact] | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redact] | $45029.40 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 18.92 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091805 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3482.00 | $4377.40 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 27.415% | 27.415% | 27.415% | [Redact] | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $3482.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 36.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.65 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091803 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7098.75 | $7685.18 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.171% | 42.171% | 42.171% | [Redact] | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $7098.75 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 | 1 | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.46 |  | Yes | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091802 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1555.00 | $3182.33 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 43.309% | 43.309% | 43.309% | [Redact] | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1555.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 188.92 |  | No | No |  | [Redact] | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091804 | [Redact] |  | N/A |  |  |  | No | No | $5799.00 | $8161.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 2 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 32.649% | 32.649% | 32.649% | [Redact] | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $5799.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.56 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 10091780 | [Redact] |  | N/A |  |  |  | No | No | $2767.01 | $5203.93 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.797% | 41.797% | 41.797% | [Redact] | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2767.01 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091839 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1651.08 | $5758.80 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.128% | 41.128% | 41.128% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1651.08 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] | 47.880% | No | 33 | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.01 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091830 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2594.85 | $5893.70 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.899% | 13.899% | 13.899% | [Redact] | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2594.85 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091813 | [Redact] |  | N/A |  |  |  | No | No | $8635.00 | $12233.77 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.370% | 33.370% | 33.370% | [Redact] | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - K-1 (< 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $8635.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 40.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.4 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091825 | [Redact] |  | N/A |  |  |  | No | No | $1839.00 | $3729.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 3 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 13.766% | 13.766% | 13.766% | [Redact] | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1839.00 |  | [Redact] | $3000.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 75.800% | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.23 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redact] | 10091822 | [Redact] |  | Non QM |  |  |  | Yes | No | $2175.00 | $5870.84 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 42.081% | 42.081% | 42.081% | [Redact] | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $2175.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 1 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 38.700% | No | 17 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 30.29 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091846 | [Redact] |  | Non QM |  |  |  | Yes | No | $1180.00 | $4036.55 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 41.235% | 41.235% | 41.235% | [Redact] | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1180.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.36 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091831 | [Redact] |  | Non QM |  |  |  | Yes | No | $899.00 | $2387.43 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.718% | 28.718% | 28.718% | [Redact] | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $899.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 58.710% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.41 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091843 | [Redact] |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1775.00 | $3668.99 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Not Employed | Employed |  | 7.21 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 48.854% | 48.854% | 48.854% | [Redact] | 793 | 793 | 796 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1775.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redact] | [Redact] |  | No | 0 |  | 12 |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 68.09 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redact] | 10091808 | [Redact] |  | Non QM |  |  |  | Yes | No | $1400.00 | $2321.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 28.323% | 28.323% | 28.323% | [Redact] | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1400.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 9.67 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 48.360% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.17 |  | No | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redact] | 10091820 | [Redact] |  | Non QM |  |  |  | Yes | No | $1790.00 | $2545.00 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 30.751% | 30.751% | 30.751% | [Redact] | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1790.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 0 | 2 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 8 | 10 |  |  | 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 | 17.78 |  |  | No |  | $0.00 | [Redact] |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10091838 | [Redact] |  | Non QM |  |  |  | Yes | No | $1888.00 | $3713.30 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 33.339% | 33.339% | 33.339% | [Redact] | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redact] | $1888.00 |  | [Redact] | $0.00 |  |  |  |  | N/A | No | [Redact] | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 129.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redact] | 10084833 | [Redact] |  | Non QM |  |  |  | Yes | No | $6455.76 | $3324.16 |  | [Redact] | [Redact] | [Redact] | [Redact] | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | [Redact] | 1 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  |  |  | 12.146% | 12.146% | 12.146% | [Redact] | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| 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: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redact] | $6455.76 |  | [Redact] | $77155.67 | 1 |  |  |  | No | No | [Redact] | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | [Redact] | [Redact] | 3.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.44 | Retail | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |

---

## Exhibit 99.2

**Exhibit 99.2**

 **Schedule 6 - Multi Property Valuation Report**

![](ex99_001.gif)

**Multi Property Valuation Report**

**Run Date - 3/4/2026 3:37:17 PM** 

---

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| **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** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| [Redact] | 9803939-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122661 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-3 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122663 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-4 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122664 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-5 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122665 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-6 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122666 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-7 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122667 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-8 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122668 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803939-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9803939-122654 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-4 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122690 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-9 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122695 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [Redact] | 9803940-8 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122694 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-7 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122693 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-6 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122692 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-5 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122691 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-3 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122689 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122688 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803940-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9803940-122687 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9803954-122960 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 23.97% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-9 | [Redact] |  |  |  |  |  |  | 0.000% | 9803954-122979 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -7.95% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-8 | [Redact] |  |  |  |  |  |  | 0.000% | 9803954-122978 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -7.32% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-7 | [Redact] |  |  |  |  |  |  | 0.000% | 9803954-122974 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 34.71% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-6 | [Redact] |  |  |  |  |  |  | 0.000% | 9803954-122965 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 20.59% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-5 | [Redact] |  |  |  |  |  |  | 0.000% | 9803954-122964 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 59.38% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-4 | [Redact] |  |  |  |  |  |  | 17.949% | 9803954-122963 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 17.949% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-3 | [Redact] |  |  |  |  |  |  | 42.276% | 9803954-122962 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 42.276% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9803954-1 | [Redact] |  |  |  |  |  |  | 12.000% | 9803954-122956 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  | 12.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123271 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123274 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -1.23% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-3 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123277 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-4 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123285 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-5 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123287 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-6 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123290 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -1.46% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-7 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123369 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 1.80% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-8 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123378 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -8.42% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804023-9 | [Redact] |  |  |  |  |  |  | 0.000% | 9804023-123379 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -0.86% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804046-1 | [Redact] |  |  |  |  |  |  | 0.000% | 9804046-123745 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | -4.76% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [Redact] | 9804046-2 | [Redact] |  |  |  |  |  |  | 0.000% | 9804046-123746 | [Redact] | [Redact] | [Redact] | [Redact] |  |  |  | Appraisal |  |  |  |  | 0.00% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex9903001.jpg)

**EXECUTIVE SUMMARY**

**MSRM 2026-NQM3**

**By Clarifii LLC on March 4, 2026**

MSRM 2026-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex9903001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 176 Loans (the "Loans") originated by a correspondent lender and acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates (the "Client") for the MSRM 2026-NQM3 transaction. The Loans referenced in this narrative report were reviewed between 03/2025 to 02/2026 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** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Retail | 89 | 50.56% | $51843786.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | 18 | 10.23% | $11207321.00 |
| &nbsp;&nbsp;Correspondent Bulk | 1 | 0.57% | $303000.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | 1 | 0.57% | $1125000.00 |
| &nbsp;&nbsp;Wholesale | 67 | 38.07% | $45308937.00 |
| &nbsp;&nbsp;**Total** | **176** | **100.00%** | **$109788044.00** |

---

The Review consisted of a population of 176 Loans, with an aggregate principal balance of $109,788,044.00.

**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.

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

MSRM 2026-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex9903001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the 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;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |

---

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---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname |
| &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 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - Female |

---

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---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Date Last Rate Was Set |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &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;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |

---

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---

| |
|:---|
| &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 CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Short Term Rent Source |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |

---

**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

– 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)

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– 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

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

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● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

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● **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).

**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)

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● **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.

**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.

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**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)

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)

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– 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).

– 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.

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– 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

&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.

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– 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.

*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

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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.

**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.

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**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 | 0 | 0 | 0 |
| &nbsp;&nbsp;AVM | 0 | 0 | 2 |
| &nbsp;&nbsp;BPO | 0 | 0 | 1 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | 0 | 0 | 60 |
| &nbsp;&nbsp;Desk Review | 0 | 0 | 102 |
| &nbsp;&nbsp;Field Review | 0 | 0 | 1 |
| &nbsp;&nbsp;Second Full Appraisal | 0 | 0 | 10 |

---

**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.

**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. |

---

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**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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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall Grade** | **Loan Count** | **% of Sample** |
| A | 134 | 76.14% |
| B | 42 | 23.86% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **176** | **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**

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit Grade** | **Loan Count** | **% of Sample** |
| A | 147 | 83.52% |
| B | 29 | 16.48% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **176** | **100.00%** |

---

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Property Grade** | **Loan Count** | **% of Sample** |
| A | 176 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **176** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance Grade** | **Loan Count** | **% of Sample** |
| A | 161 | 91.48% |
| B | 15 | 8.52% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **176** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;176 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$109788044.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**176** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$109788044.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;49 | &nbsp;&nbsp;27.84% | &nbsp;&nbsp;$37977236.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.14% | &nbsp;&nbsp;$4005000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;125 | &nbsp;&nbsp;71.02% | &nbsp;&nbsp;$67805808.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**176** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$109788044.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;94 | &nbsp;&nbsp;53.41% | &nbsp;&nbsp;$62823398.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;82 | &nbsp;&nbsp;46.59% | &nbsp;&nbsp;$46964646.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**176** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$109788044.00** |

---

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**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;176 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$109788044.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**176** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$109788044.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.57% | &nbsp;&nbsp;$715000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.13% | &nbsp;&nbsp;$1040500.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;173 | &nbsp;&nbsp;98.30% | &nbsp;&nbsp;$108032544.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**176** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$109788044.00** |

---

**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** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| &nbsp;&nbsp;Amortization Term | 0 | 45 | 100.00% |
| &nbsp;&nbsp;Amount of Other Lien | 3 | 18 | 83.33% |
| &nbsp;&nbsp;Application Date | 4 | 31 | 87.10% |
| &nbsp;&nbsp;Balloon Flag | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | 0 | 22 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | 0 | 46 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | 1 | 31 | 96.77% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | 1 | 15 | 93.33% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | 0 | 28 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | 0 | 8 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | 0 | 10 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | 0 | 10 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 19 | 100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | 0 | 19 | 100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | 2 | 156 | 98.72% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | 1 | 17 | 94.12% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | 0 | 10 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | 1 | 176 | 99.43% |
| &nbsp;&nbsp;Borrower 1 Marital Status | 0 | 19 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | 0 | 3 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | 0 | 10 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | 0 | 8 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | 1 | 11 | 90.91% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | 0 | 16 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | 1 | 23 | 95.65% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | 0 | 11 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Sex Visual Observation or Surname | 0 | 4 | 100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | 0 | 35 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | 0 | 11 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | 1 | 20 | 95.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | 0 | 13 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | 0 | 13 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | 0 | 2 | 100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Middle Name | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | 0 | 3 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Business Purpose Flag | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Calculated DSCR | 17 | 65 | 73.85% |
| &nbsp;&nbsp;Cash Disbursement Date | 2 | 15 | 86.67% |
| &nbsp;&nbsp;Date Last Rate Was Set | 2 | 2 | 0.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | 3 | 4 | 25.00% |
| &nbsp;&nbsp;First Payment Date | 0 | 34 | 100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Interest Only Flag | 0 | 144 | 100.00% |
| &nbsp;&nbsp;Interest Only Term | 0 | 6 | 100.00% |
| &nbsp;&nbsp;Interest Rate | 2 | 176 | 98.86% |
| &nbsp;&nbsp;Investor Loan ID | 1 | 176 | 99.43% |
| &nbsp;&nbsp;Lender Name | 1 | 110 | 99.09% |
| &nbsp;&nbsp;Lien Position | 0 | 65 | 100.00% |
| &nbsp;&nbsp;Loan Amount | 5 | 163 | 96.93% |
| &nbsp;&nbsp;Loan ID | 0 | 176 | 100.00% |
| &nbsp;&nbsp;Loan Origination Company | 0 | 17 | 100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | 0 | 8 | 100.00% |
| &nbsp;&nbsp;Loan Program | 2 | 133 | 98.50% |
| &nbsp;&nbsp;Loan Purpose | 0 | 66 | 100.00% |
| &nbsp;&nbsp;Loan Type | 6 | 31 | 80.65% |
| &nbsp;&nbsp;Maturity Date | 0 | 29 | 100.00% |
| &nbsp;&nbsp;MIN No | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | 1 | 11 | 90.91% |
| &nbsp;&nbsp;Monthly Property Tax Amount | 0 | 12 | 100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Note Date | 2 | 37 | 94.59% |
| &nbsp;&nbsp;Note Type | 0 | 31 | 100.00% |
| &nbsp;&nbsp;Number of Borrowers | 0 | 31 | 100.00% |

---

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Number of Mortgaged Properties | 7 | 31 | 77.42% |
| &nbsp;&nbsp;Number of Units | 0 | 60 | 100.00% |
| &nbsp;&nbsp;Occupancy | 0 | 164 | 100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Originator Doc Type | 6 | 97 | 93.81% |
| &nbsp;&nbsp;Originator QM Status | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Payment Frequency | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | 1 | 26 | 96.15% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | 0 | 28 | 100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | 0 | 22 | 100.00% |
| &nbsp;&nbsp;Property Address | 1 | 175 | 99.43% |
| &nbsp;&nbsp;Property City | 0 | 175 | 100.00% |
| &nbsp;&nbsp;Property County | 0 | 46 | 100.00% |
| &nbsp;&nbsp;Property Rights | 0 | 19 | 100.00% |
| &nbsp;&nbsp;Property State | 0 | 66 | 100.00% |
| &nbsp;&nbsp;Property Type | 19 | 147 | 87.07% |
| &nbsp;&nbsp;Property Value | 4 | 63 | 93.65% |
| &nbsp;&nbsp;Property Zip Code | 4 | 175 | 97.71% |
| &nbsp;&nbsp;Qualifying CLTV | 0 | 12 | 100.00% |
| &nbsp;&nbsp;Qualifying FICO | 11 | 124 | 91.13% |
| &nbsp;&nbsp;Qualifying LTV | 11 | 114 | 90.35% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 23 | 73 | 68.49% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | 5 | 15 | 66.67% |
| &nbsp;&nbsp;Refinance Type | 2 | 72 | 97.22% |
| &nbsp;&nbsp;Sales Price | 0 | 35 | 100.00% |
| &nbsp;&nbsp;Seller Loan ID | 0 | 160 | 100.00% |
| &nbsp;&nbsp;Short Term Rent Source | 0 | 2 | 100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | 0 | 4 | 100.00% |
| &nbsp;&nbsp;Term | 1 | 129 | 99.22% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | 3 | 14 | 78.57% |
| &nbsp;&nbsp;Total Qualifying Income | 1 | 11 | 90.91% |
| &nbsp;&nbsp;ULI | 0 | 27 | 100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | 0 | 15 | 100.00% |
| &nbsp;&nbsp;Verified Doc Type | 0 | 5 | 100.00% |

---

MSRM 2026-NQM3 Due Diligence Narrative Report – PagE \| 23

![](ex9903001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

MSRM 2026-NQM3 Due Diligence Narrative Report – PagE \| 24

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 1 - Rating Agency Grades Detail Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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 | XXXX | 9091824 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9119047 D A | Closed | FCOM1351 | 2025-04-08 14:39 | 2025-11-19 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-04/10/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty; Notice to Guaranty page 260. - Due Diligence Vendor-04/08/2025 |  | Resolved-Received guaranty - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.64 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline maximum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3809968 |
| XXXX | XXXX | 9119047 D A | Closed | FCOM1352 | 2025-04-08 14:39 | 2025-11-19 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business and Occupancy affidavits. - Due Diligence Vendor-04/15/2025 <br>Ready for Review-Document Uploaded. occupancy cert - Buyer-04/14/2025 <br>Counter-Received Biz Purpose Affidavit-missing occupancy certification (not included in disclosure) - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Seller-04/10/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the Business Purpose Affidavit. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-04/10/2025<br>| Resolved-Received Business and Occupancy affidavits. - Due Diligence Vendor-04/15/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.64 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline maximum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3809967 |
| XXXX | XXXX | 9119047 D A | Closed | FCRE1151 | 2025-04-08 14:51 | 2025-04-11 13:37 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received acceptable chain of title - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Seller-04/10/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 Month chain of title. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-04/10/2025<br>| Resolved-Received acceptable chain of title - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.64 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline maximum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810140 |
| XXXX | XXXX | 9119047 D A | Closed | FCRE7748 | 2025-04-08 15:00 | 2025-04-11 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received acceptable desk review. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-04/10/2025 <br>Open-The CU score is 4.8; over 2.5. CU or LCA Score ≤ 2.5 is acceptable with no other valuation required. If the CU/LCA Score is > 2.5, a desk review from one of the following is required: - Due Diligence Vendor-04/08/2025 |  | Resolved-Received acceptable desk review. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.64 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline maximum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810284 |
| XXXX | XXXX | 9119047 D A | Closed | FCRE0043 | 2025-04-08 15:16 | 2025-04-11 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calc. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-04/10/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation Page. - Due Diligence Vendor-04/08/2025 |  | Resolved-Received DSCR calc. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.64 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline maximum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3810567 |
| XXXX | XXXX | 9119047 D A | Closed | FCOM1221 | 2025-04-08 16:43 | 2025-04-11 13:27 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete Security instrument inclusive of legal description. - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Seller-04/10/2025 <br>Open-The Deed of Trust is Incomplete Missing Legal Description. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-04/10/2025<br>| Resolved-Received complete Security instrument inclusive of legal description. - Due Diligence Vendor-04/11/2025<br>| Months Reserves exceed minimum required - The Borrower has 36.64 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 756; guideline maximum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3811668 |
| XXXX | XXXX | 9111460 D A | Closed | FCOM1351 | 2025-04-23 13:06 | 2025-05-15 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Revised guaranty agreement provided removing the co-borrower. Borrowing certificate provided. - Due Diligence Vendor-05/15/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Seller-05/15/2025 <br> Counter-Please provide the credit package for XXXX. Guidelines state Each Entity member providing a personal guarantee must complete a Form 1003 or similar credit application indicating clearly that such document is being provided in the capacity of the guarantor. The application of each member providing a personal Guarantee and their credit score, and creditworthiness will also be used to determine qualification and pricing. - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. See attached updated signed Personal Gaurantee signed as individual - Seller-05/05/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Personal guaranty provided was signed as members/managers and not individually per guidelines this is not allowed. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. Supporting docs - Seller-05/15/2025 <br>Ready for Review-Document Uploaded. See attached updated signed Personal Gaurantee signed as individual - Seller-05/05/2025<br>| Resolved-Revised guaranty agreement provided removing the co-borrower. Borrowing certificate provided. - Due Diligence Vendor-05/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 776.<br>Months Reserves exceed minimum required - 38 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3940222 |
| XXXX | XXXX | 9111460 D A | Closed | FCRE8701 | 2025-04-09 11:12 | 2025-04-23 13:06 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. EIN information - Seller-04/10/2025 <br>Open-The Business Entity Formation Document is Missing Missing EIN doc - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. EIN information - Seller-04/10/2025<br>| Resolved-Received EIN - Due Diligence Vendor-04/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 776.<br>Months Reserves exceed minimum required - 38 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3817407 |
| XXXX | XXXX | 9111460 D A | Closed | FCRE0969 | 2025-04-09 11:23 | 2025-04-21 13:46 | Resolved | 1 - Information C A | Credit | Closing | Prepayment Penalty Issue | Resolved-No prepay on this loan. - Due Diligence Vendor-04/21/2025 <br> Open-1% of the original principal balance, up to 5 years. 1-2 Unit properties with loan amount equal to or greater than $110,223 (for XXXX, adjusted annually) Loan amount XXXX - Due Diligence Vendor-04/09/2025 |  | Resolved-No prepay on this loan. - Due Diligence Vendor-04/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 776.<br>Months Reserves exceed minimum required - 38 mths reserves; 3 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3817633 |
| XXXX | XXXX | 9111460 D A | Closed | FCRE1440 | 2025-04-09 07:13 | 2025-04-16 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation property free and clear. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. attached Lien release - Buyer-04/15/2025 <br>Counter-Received Property Profile-report reflects mortgage lien. Provide confirmation of release or acceptable VOM (12 months 0x30) - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. property profile to show free and clear - Seller-04/10/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Properties owned free and clear are considered 0x30 for grading purposes for each month the property has been owned free and clear (e.g. a property owned free and clear for the last 12 months satisfies the housing history requirement). <br>\*\*\* Documentation verifying free and clear is required such as property detail report, data verify report, title search, etc.<br>No documentation in file for verifying free and clear ownership of borrower's current primary.<br> - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. property profile to show free and clear - Seller-04/10/2025<br>| Resolved-Received confirmation property free and clear. - Due Diligence Vendor-04/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 776.<br>Months Reserves exceed minimum required - 38 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3814744 |
| XXXX | XXXX | 9119025 C A | Closed | FCRE0109 | 2025-04-16 11:44 | 2025-04-18 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received Patriot Act Disclosure. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Patriot Act Disclosure - Buyer-04/17/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Must be completed with docs used and signed - Due Diligence Vendor-04/16/2025 |  | Resolved-Received Patriot Act Disclosure. - Due Diligence Vendor-04/18/2025<br>| LTV is less than guideline maximum - 70% LTV, program allows 75% <br>Months Reserves exceed minimum required - 32 months reserves, 3 months required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3879382 |
| XXXX | XXXX | 9100941 D A | Closed | FCOM1221 | 2025-04-18 10:41 | 2025-04-29 12:27 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received Legal. - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/25/2025 <br>Open-The Deed of Trust is Incomplete Missing exhibit A (legal description) - Due Diligence Vendor-04/18/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 160 months reserves, 3 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3900955 |
| XXXX | XXXX | 9100941 D A | Closed | FCRE0043 | 2025-04-18 11:17 | 2025-04-29 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. DSCR Calculation from - Buyer-04/28/2025 <br>Open-The DSCR Calculation from lender is Missing. UW DSCR calculation is required - Due Diligence Vendor-04/18/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/29/2025<br>| Months Reserves exceed minimum required - 160 months reserves, 3 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3901660 |
| XXXX | XXXX | 9100941 D A | Closed | FCRE0109 | 2025-04-18 11:17 | 2025-04-29 12:26 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received Patriot Act form. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. supporting docs - Buyer-04/23/2025 <br>Open-Missing Disclosure - Patriot Act Borrower Identification Form. Must be completed with documents used and signed - Due Diligence Vendor-04/18/2025 |  | Resolved-Received Patriot Act form. - Due Diligence Vendor-04/24/2025<br>| Months Reserves exceed minimum required - 160 months reserves, 3 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - 740 FICO, 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3901661 |
| XXXX | XXXX | 9081735 D A | Closed | FCRE0112 | 2025-04-19 10:57 | 2025-04-25 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-04/25/2025 <br> Ready for Review-Document Uploaded. XXXX Form 1008 - Buyer-04/24/2025 <br> Open-Approval/Underwriting Summary Not Provided. Lender Approval not provided. - Due Diligence Vendor-04/19/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 742 Min 700<br>Months Reserves exceed minimum required - Reserves: 147 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3908598 |
| XXXX | XXXX | 9081735 D A | Closed | FCRE0043 | 2025-04-19 10:57 | 2025-04-25 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/25/2025 <br>Ready for Review-Document Uploaded. DSCR Worksheet - Buyer-04/24/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-04/19/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO: 742 Min 700<br>Months Reserves exceed minimum required - Reserves: 147 Min 3 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3908597 |
| XXXX | XXXX | 9125130 C A | Closed | FCRE1510 | 2025-04-28 11:48 | 2025-04-30 13:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. mortgage - Buyer-04/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A - Legal description attached to the DOT. - Due Diligence Vendor-04/28/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-04/30/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 1417 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 771 Min 700<br>DSCR % greater than 1.20 - DSCR = 1.206 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3980517 |
| XXXX | XXXX | 9146954 C A | Closed | FCRE1510 | 2025-05-01 05:12 | 2025-05-01 14:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage provided with legal description. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. The Legal is on page 3 of the deed - Buyer-05/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal is missing. - Due Diligence Vendor-05/01/2025 |  | Resolved-Mortgage provided with legal description. - Due Diligence Vendor-05/01/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 575.76 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 724. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4012498 |
| XXXX | XXXX | 9146955 C A | Closed | FCRE1510 | 2025-05-01 06:08 | 2025-05-01 14:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. The Legal is on page 3 of the Mortgage - Buyer-05/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal. - Due Diligence Vendor-05/01/2025 |  | Resolved-Mortgage with legal description provided. - Due Diligence Vendor-05/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 724.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 536.80 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4012673 |
| XXXX | XXXX | 9119063 D A | Closed | FCRE1440 | 2025-05-20 11:42 | 2025-05-28 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of XXXX payment. - Due Diligence Vendor-05/28/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-05/27/2025 <br> Counter-Received updated VOM confirm XXXX payment made, missing confirmation of XXXX and payoff received reflects over 31 day interest collected. Confirmation of payments made required. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. supporting docs - Seller-05/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Mortgage payments for XXXX for XXXX and XXXX not provided. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. supporting docs - Seller-05/21/2025<br>| Resolved-Received proof of XXXX payment. - Due Diligence Vendor-05/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 738; minimum required 700.<br>Credit history exceeds minimum required - No late payments |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4192422 |
| XXXX | XXXX | 9119063 D A | Closed | FCRE0043 | 2025-05-20 11:51 | 2025-05-28 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation worksheet. - Due Diligence Vendor-05/28/2025 <br>Ready for Review-Document Uploaded. UW notes regarding DSCR - Seller-05/27/2025 <br>Counter-Received DSCR calculation-lease amounts do not match documentation received. Please provide correct DSCR calculation. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. DSCR worksheet - Buyer-05/21/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing DSCR Calc from the lender. - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. UW notes regarding DSCR - Seller-05/27/2025<br>| Resolved-Received DSCR Calculation worksheet. - Due Diligence Vendor-05/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 738; minimum required 700.<br>Credit history exceeds minimum required - No late payments |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4192596 |
| XXXX | XXXX | 9119063 D A | Closed | FCRE1201 | 2025-05-20 11:46 | 2025-05-27 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-05/27/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-05/22/2025 <br>Open-Missing Third Party Fraud Report Missing fraud report - Due Diligence Vendor-05/21/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-05/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 738; minimum required 700.<br>Credit history exceeds minimum required - No late payments |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4192503 |
| XXXX | XXXX | 9119063 D A | Closed | FCRE1254 | 2025-05-21 09:25 | 2025-05-22 12:36 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. supporting docs - Buyer-05/21/2025 <br> Open-Property Title Issue Title is expired - dated XXXX - Due Diligence Vendor-05/21/2025 |  | Resolved-Property Title Issue Resolved - Due Diligence Vendor-05/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 738; minimum required 700.<br>Credit history exceeds minimum required - No late payments |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 4202502 |
| XXXX | XXXX | 9156986 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9156956 D A | Closed | FCRE7497 | 2025-06-03 10:51 | 2025-06-11 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The property was removed from the 1003, it did not yet close. - Due Diligence Vendor-06/11/2025 <br>Ready for Review-Document Uploaded. LOX - Buyer-06/11/2025 <br>Counter-Please clarify removal of REO #7 - Due Diligence Vendor-06/06/2025 <br>Ready for Review-Document Uploaded. updated 1003 removed REO7 - Buyer-06/05/2025 <br>Ready for Review-updated 1003 removed REO7 - Buyer-06/05/2025 <br>Open-Missing documentation of PITIA for REO 3G (labeled as #7 on 1003) - Due Diligence Vendor-06/03/2025 |  | Resolved-The property was removed from the 1003, it did not yet close. - Due Diligence Vendor-06/11/2025<br>| Months Reserves exceed minimum required - 50 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 744 FICO, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4312271 |
| XXXX | XXXX | 9190374 D B A | Closed | FCRE1248 | 2025-07-22 11:28 | 2025-08-07 11:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Originator provided a waiver for Non-Arms Length transaction, applied to non material finding with comp factors - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Approvals from XXXX and XXXX - NAL permitted - Seller-08/06/2025 <br> Counter-Exception request for Gift Funds from the Grandmother. Please provide the request for ineligible Transaction Types and Client approval. Loan was submitted with XXXX guidelines. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Exception Request Form Approved - Buyer-08/05/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Per guidelines pg 17 of 415, ineligible transactions include Non Arms Length Transactions. Borrower is purchasing home from grandmother. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Approvals from FCM and XXXX - NAL permitted - Seller-08/06/2025<br>| Waived-Originator provided a waiver for Non-Arms Length transaction, applied to non material finding with comp factors - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. | FICO score above program minimum by 20 points or higher<br> DTI below program max by 5% or greater<br> Housing history 0x30 for 24 months. | 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 | Yes | 4904003 |
| XXXX | XXXX | 9190374 D B A | Closed | FCRE1316 | 2025-07-22 11:54 | 2025-07-28 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Sec of State search was in file - Pg 83 dated XXXX - showing Active - Due Diligence Vendor-07/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE is missing. - Due Diligence Vendor-07/22/2025 |  | Resolved-Sec of State search was in file - Pg 83 dated XXXX - showing Active - Due Diligence Vendor-07/28/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. |  |  | 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 | 4904631 |
| XXXX | XXXX | 9190374 D B A | Closed | FCRE5782 | 2025-07-22 12:11 | 2025-07-24 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/24/2025 <br>Ready for Review-Document Uploaded. Supporting Doc - Buyer-07/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/22/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. |  | 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 | 4905016 |
| XXXX | XXXX | 9190374 D B A | Closed | FCOM5135 | 2025-07-18 11:32 | 2025-07-18 11:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material finding. - Due Diligence Vendor-07/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material finding. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 8.24 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 686. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 4869201 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE8201 | 2025-07-26 12:03 | 2025-10-27 16:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted "add finding", waiver applied with reviewed compactors - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Exception approval - Buyer-08/21/2025 <br> Counter-Corrected-received exception request for non-arms length-missing client approval of exception. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025 <br> Open-Borrower owns brokerage making offer on subject property - sales priced XXXX appraisal value XXXX price within reason as seller will remain in posession with no cost to seller and to find replacement property.<br> see purchase contract page pdf 538- stated the seller will have up to 10 days to vacate the property after the close of escrow at no cost to seller. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025<br>| Waived-Client exception granted "add finding", waiver applied with reviewed compactors - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 4957749 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE8701 | 2025-07-26 11:33 | 2025-10-23 12:44 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/25/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing Tax EIN Number per XXXX guidelines. - Due Diligence Vendor-07/26/2025 |  | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4957681 |
| XXXX | XXXX | 9201282 D B A | Closed | FCOM1351 | 2025-07-28 11:26 | 2025-10-23 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/22/2025 <br> Counter-Received guaranty agreement executed as President of XXXX-personal guaranty agreement executed as individual only required. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Personal Guaranty - Seller-09/12/2025 <br> Counter-Received blank, non executed personal guaranty-finding remains. Missing complete, executed Personal Guaranty. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-08/04/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty agreement - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Personal Guaranty - Seller-09/12/2025<br>| Resolved-Received personal guaranty agreement. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4965773 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1440 | 2025-07-26 12:14 | 2025-08-26 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Substitution of Trustee and Full Reconveyance. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/25/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing Satisfaction of Release primary residence is paid in full see pdg867. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/25/2025<br>| Resolved-Received Substitution of Trustee and Full Reconveyance. - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4957773 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1194 | 2025-07-28 11:35 | 2025-08-26 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the DSCR of .995 is rounded to 1, max LTV is 80%. - Due Diligence Vendor-08/21/2025 <br>Counter-Received duplicate HOI--audit DSCR calculation is 0.995%-finding remains. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-08/04/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender calculated DSCR based on lower HOI Premium. Premium verified higher DSCR < 1% - Max LTV 75% - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-08/04/2025<br>| Resolved-After further review, the DSCR of .995 is rounded to 1, max LTV is 80%. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4965920 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1151 | 2025-07-26 11:47 | 2025-08-26 09:41 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 month chain of title. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025 <br>Open-Unsatisfactory Chain of Title provided. 18 months PITIA reserves; 6 months reserves required. Missing 24 months chain of title. - Due Diligence Vendor-07/26/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-08/04/2025<br>| Resolved-Received 24 month chain of title. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 4957711 |
| XXXX | XXXX | 9201282 D B A | Closed | FCRE1248 | 2025-07-26 12:00 | 2025-07-28 11:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client exception granted to allow non-arms length transaction, Non-materialwaiver applied with comp factors. non-material due to Borrower owns the XXXX. - Due Diligence Vendor-07/28/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Lender Exception for Non Arms Length Real estate broker<br> - Due Diligence Vendor-07/26/2025 |  | Waived-Client exception granted to allow non-arms length transaction, Non-materialwaiver applied with comp factors. non-material due to Borrower owns the XXXX. - Due Diligence Vendor-07/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 751; minimum score 700.<br>Months Reserves exceed minimum required - 117.53 months PITIA reserves; 3 months reserves required. | credit score 51 points above<br> 0x300x36 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 4957747 |
| XXXX | XXXX | 9226539 D B A | Closed | FPRO1255 | 2025-07-30 11:36 | 2025-10-29 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. condo questionnaire - Seller-08/18/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Additional conditions may apply. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. condo questionnaire - Seller-08/18/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4994582 |
| XXXX | XXXX | 9226539 D B A | Closed | FCRE1440 | 2025-07-31 10:22 | 2025-10-27 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/24/2025 <br> Counter-Partial Release dated XXXX provided, however the subject prior mortgage appears to be part of a cross collateral. Please provide the payment history for the cross collateral loan. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/08/2025 <br> Counter-Borrower business has held title since XXXX recorded XXXX - provide confirmation subject was free and clear prior to XXXX VOM opening date. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. This property was purchased in XXXX, so that is the full extent of the payment history available. - Buyer-09/08/2025 <br> Counter-Received VOM from XXXX. Please provide the prior payment history to complete 12 months history. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Supporting documents - Seller-08/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month pay history on subject property. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Supporting documents - Seller-08/19/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5006575 |
| XXXX | XXXX | 9226539 D B A | Closed | FCRE1510 | 2025-07-28 08:30 | 2025-09-03 11:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-09/02/2025 <br>Counter-Mortgage w/legal provided is not for the subject property. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. Supporting document - DOT - Seller-08/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description (Exhibit A) is blank. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-09/02/2025 <br>Ready for Review-Document Uploaded. Supporting document - DOT - Seller-08/19/2025<br>| Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4961618 |
| XXXX | XXXX | 9226539 D B A | Closed | FCRE8201 | 2025-07-30 12:09 | 2025-08-29 12:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver for NWC exposure >15% (28% at 70% LTV) and total entity concentration to one owner, applied to non material finding with comp factors - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Updated approval - Seller-08/28/2025 <br> Counter-Originator exception granted to allow NWC exposure > 15% (28% at 70% LTV. Per the HOA questionnaire exposure is 37.5%. Finding remains. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. concentration request and concentration approval - Seller-08/18/2025 <br> Open-Borrower has XXXX properties in condo association which is at 28% concentration. Max exposure on non-warrantable condo $2,000,000 or 15% of the project whichever is lower. - Missing XXXX approval only an exception scenario is in the file, finding remains open and material. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Updated approval - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. concentration request and concentration approval - Seller-08/18/2025<br>| Waived-Client provided a waiver for NWC exposure >15% (28% at 70% LTV) and total entity concentration to one owner, applied to non material finding with comp factors - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% | Strong credit 0 lates<br> DSCR 1.097 (Actual 1.19)<br> Employment stability 16 years S/E (Not applicable, DSCR loan)<br> reserves - client has 1.1M cash on hand before closing the cash out refinance (Only 56K available at initial review)<br> Residual income $20,000 (Not applicable, DSCR loan)<br> LTV 75% (Actual 70%)<br> Credit profile 744<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4995295 |
| XXXX | XXXX | 9226539 D B A | Closed | FCRE0113 | 2025-07-30 12:13 | 2025-08-20 12:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Client provided a waiver for transferred appraisal>60 days from application, applied to non material finding with comp factors - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Supporting document - approval email - Buyer-08/18/2025 <br> Open-Appraisal was transferred over 63 days after it was completed exceeds 60 days. - Missing XXXX approval only an exception scenario is in the file, finding remains open and material. - Due Diligence Vendor-07/30/2025 |  | Waived-Client provided a waiver for transferred appraisal>60 days from application, applied to non material finding with comp factors - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% | Strong credit 0 lates<br> DSCR 1.097 (Actual 1.19)<br> Employment stability 16 years S/E (Not applicable, DSCR loan)<br> reserves - client has 1.1M cash on hand before closing the cash out refinance (Only 56K available at initial review)<br> Residual income $20,000 (Not applicable, DSCR loan)<br> LTV 75% (Actual 70%)<br> Credit profile 744 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 4995372 |
| XXXX | XXXX | 9226539 D B A | Closed | FCRE0108 | 2025-07-30 11:40 | 2025-08-20 12:12 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received master policy. Fidelity coverage is present. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. master insurance - Seller-08/18/2025 <br>Open-Fidelity Coverage not met. Master HOI policy missing from loan file - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. master insurance - Seller-08/18/2025<br>| Resolved-Received master policy. Fidelity coverage is present. - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4994652 |
| XXXX | XXXX | 9226539 D B A | Closed | FCRE1173 | 2025-07-30 11:40 | 2025-08-20 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. master insurance - Seller-08/18/2025 <br>Open-Missing Condo Master Insurance Policy Missing from loan files - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. master insurance - Seller-08/18/2025<br>| Resolved-Received Condo Master Insurance Policy - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 744<br>Months Reserves exceed minimum required - Min 3, actual 56.95<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Actual 1.198<br>LTV is less than guideline maximum - Max 75%, actual 70% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4994653 |
| XXXX | XXXX | 9956963 C A | Closed | FCRE1182 | 2025-07-31 16:23 | 2025-08-08 13:54 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/06/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-1008 provided. - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - 37.47% LTV below max allowed of 60%<br>DSCR % greater than 1.20 - DSCR 1.87 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5014230 |
| XXXX | XXXX | 9956963 C A | Closed | FCRE1509 | 2025-07-29 12:50 | 2025-08-08 13:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-The lender confirmed the 5% prepay penalty is correct and was recorded with the DOT. - Due Diligence Vendor-08/08/2025 <br>Open-There are Issues Present on the Note that must be addressed. ----There are two Prepayment Penalties - Due Diligence Vendor-07/29/2025 |  | Resolved-The lender confirmed the 5% prepay penalty is correct and was recorded with the DOT. - Due Diligence Vendor-08/08/2025<br>| LTV is less than guideline maximum - 37.47% LTV below max allowed of 60%<br>DSCR % greater than 1.20 - DSCR 1.87 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4981903 |
| XXXX | XXXX | 9197010 D B A | Closed | FCRE5782 | 2025-08-07 16:57 | 2025-08-22 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. XXXX. The guide/program does not require a gap report. - Buyer-08/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-08/07/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - Min 6, actual 20.41<br>Qualifying DTI below maximum allowed - Max 50%, actual 30.77%<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 5101663 |
| XXXX | XXXX | 9197010 D B A | Closed | FCRE5783 | 2025-08-07 16:57 | 2025-08-22 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. XXXX. The guide/program does not require a gap report. - Buyer-08/21/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-08/07/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - Min 6, actual 20.41<br>Qualifying DTI below maximum allowed - Max 50%, actual 30.77%<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 5101664 |
| XXXX | XXXX | 9197010 D B A | Closed | FCRE0070 | 2025-08-07 11:01 | 2025-08-18 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received approval - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-08/15/2025 <br>Open-Missing Approval/Underwriting Summary Missing from loan file - Due Diligence Vendor-08/07/2025 |  | Resolved-Received approval - Due Diligence Vendor-08/18/2025<br>| Months Reserves exceed minimum required - Min 6, actual 20.41<br>Qualifying DTI below maximum allowed - Max 50%, actual 30.77%<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 5092335 |
| XXXX | XXXX | 9197010 D B A | Closed | FCOM5135 | 2025-08-05 12:31 | 2025-08-05 12:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/05/2025<br>| Months Reserves exceed minimum required - Min 6, actual 20.41<br>Qualifying DTI below maximum allowed - Max 50%, actual 30.77%<br>LTV is less than guideline maximum - Max 80%, actual 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 680, actual 709 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Investor Post-Close | No | 5060433 |
| XXXX | XXXX | 9956964 C B A | Closed | finding-3635 | 2025-08-12 08:44 | 2025-09-04 18:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in recording fee. - Due Diligence Vendor-09/04/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording fees) increased by $73 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $73, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is XXXX.<br> - Due Diligence Vendor-08/12/2025 |  | Resolved-Received COC for increase in recording fee. - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - LTV 61.58% max 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 778; minimum score 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5142714 |
| XXXX | XXXX | 9956964 C B A | Closed | FCOM5135 | 2025-08-12 08:27 | 2025-08-12 08:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/12/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - LTV 61.58% max 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 778; minimum score 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5142495 |
| XXXX | XXXX | 9239910 D A | Closed | FCRE1193 | 2025-08-20 10:11 | 2025-09-17 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received 6 months bank statements. Audited DTI of 41.72% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. I have highlighted some of the auto payments for XXXX - Seller-09/11/2025 <br> Counter-Review is unable to confirm business paying XXXX. Provide 6 months business bank statements confirming business pays debt. Finding remains. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. I highlighted in yellow the UW notes on credit inquires and in pink highlight UW made notes about the XXXX account that was excluded from Debt. This Memo was in the file - Seller-09/09/2025 <br> Counter-1008 provided reflect consumer debt as $1,230, however the reviewed monthly consumer debt is $2,383 - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. updated 1008 - Seller-09/03/2025 <br> Counter-Reviewed income - $9,696 total income, $1,178 primary, $1,637.09 reo loss and $2,383 consumer debt. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. the inital 1003 submitted to us did not have the full PITI payment, that is the difference reflected on the 1008. we paid this mortgage off so it is not included in the DTI but was the difference<br> - Seller-08/27/2025 <br> Open-Audited DTI of 53.61% exceeds Guideline DTI of 50% DTI exceeds maximum. Debts match the 1003, 1003 debts do not match 1008. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. I have highlighted some of the auto payments for XXXX- Seller-09/11/2025 <br> Ready for Review-Document Uploaded. I highlighted in yellow the UW notes on credit inquires and in pink highlight UW made notes about the XXXX account that was excluded from Debt. This Memo was in the file - Seller-09/09/2025 <br> Ready for Review-Document Uploaded. updated 1008 - Seller-09/03/2025 <br> Ready for Review-Document Uploaded. the inital 1003 submitted to us did not have the full PITI payment, that is the difference reflected on the 1008. we paid this mortgage off so it is not included in the DTI but was the difference<br> - Seller-08/27/2025 | Resolved-Received 6 months bank statements. Audited DTI of 41.72% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - The Borrower has 19.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 744; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5247161 |
| XXXX | XXXX | 9239910 D A | Closed | FCRE0044 | 2025-08-18 15:24 | 2025-09-15 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, inquiry > 90 days. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. I have highlighted some of the auto payments for XXXX - Seller-09/11/2025 <br> Counter-Review did not receive fully executed credit inquiry letter. Finding remains. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. I highlighted in yellow the UW notes on credit inquires and in pink highlight UW made notes about the XXXX account that was excluded from Debt. This Memo was in the file - Buyer-09/09/2025 <br> Counter-Undisclosed debt information provided. Please provide an LOE from the borrower regarding the inquiries. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. 1) for finding "-LOX for credit inquiries is missing. Missing credit Inquiry Letter. -<br> 2) finding "Open-LOX for credit inquiries is missing. Missing credit Inquiry Letter. - Due Diligence Vendor-08/18/2025 - Seller-08/25/2025 <br> Open-LOX for credit inquiries is missing. Missing credit Inquiry Letter. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. I have highlighted some of the auto payments for XXXX - Seller-09/11/2025 <br> Ready for Review-Document Uploaded. 1) for finding "-LOX for credit inquiries is missing. Missing credit Inquiry Letter. -<br> 2) finding "Open-LOX for credit inquiries is missing. Missing credit Inquiry Letter. - Due Diligence Vendor-08/18/2025 - Seller-08/25/2025 | Resolved-Upon further review, inquiry > 90 days. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - The Borrower has 19.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 744; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5218415 |
| XXXX | XXXX | 9239910 D A | Closed | FCRE0045 | 2025-09-15 13:04 | 2025-09-15 13:05 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Form is located or is not applicable. - Due Diligence Vendor-09/15/2025 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-09/15/2025 |  | Resolved-Form is located or is not applicable. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - The Borrower has 19.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 744; guideline minimum is 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5539099 |
| XXXX | XXXX | 9239910 D A | Closed | FCRE5782 | 2025-08-18 14:29 | 2025-09-15 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Drive report - Seller-08/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Drive report - Seller-08/25/2025<br>| Resolved-Received UDM - Due Diligence Vendor-08/26/2025<br>| Months Reserves exceed minimum required - The Borrower has 19.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 744; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5216281 |
| XXXX | XXXX | 9239910 D A | Closed | FCRE1316 | 2025-08-18 15:10 | 2025-08-27 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received documentation to support 100% ownership - Due Diligence Vendor-08/27/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of the Business. - Due Diligence Vendor-08/18/2025 |  | Resolved-Received documentation to support 100% ownership - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - The Borrower has 19.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 744; guideline minimum is 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5218157 |
| XXXX | XXXX | 9239910 D A | Closed | FCRE1325 | 2025-08-18 15:10 | 2025-08-27 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Per guidelines we do not need a Cpa letter when using business bank statements<br> Borrower must be at least 25% owner of the business. If multiple owners, then the income used will be based on ownership percentage(s). Underwriting must verify the borrower's percentage of ownership. Documentation that clearly state ownership percentage include a business license, a signed written statement <br> from a CPA or a Third-Party Tax Preparer (excluding PTIN tax preparers, which are not permitted), an Operating Agreement, Articles of Incorporation/Articles of Organization, a Partnership Agreement, or a Business Certificate <br> filed with a governmental agency. Documentation showing sole member entity or sole proprietor is acceptable to indicate 100% ownership. - Buyer-08/25/2025 <br>Open-Borrower 1 CPA Letter Missing Missing verification of business. - Due Diligence Vendor-08/18/2025 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-08/27/2025<br>| Months Reserves exceed minimum required - The Borrower has 19.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 744; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5218158 |
| XXXX | XXXX | 9956965 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9956966 D A | Closed | FCOM1352 | 2025-08-28 10:56 | 2025-11-03 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Please see attached signed business purpose affidavit - Seller-10/31/2025 <br>Counter-Occupancy Statement provided. Please provide the Business Purpose Affidavit. - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. Occupancy affidavit - Seller-09/17/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached signed business purpose affidavit - Seller-10/31/2025 <br>Ready for Review-Document Uploaded. Occupancy affidavit - Seller-09/17/2025<br>| Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO score 788; guidelines require 720. <br>LTV is less than guideline maximum - LTV 32.20% LTV. Allowed 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5346802 |
| XXXX | XXXX | 9956966 D A | Closed | FCRE1510 | 2025-08-29 08:47 | 2025-10-20 16:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrected security instrument including condo rider. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see corrected DOT - Seller-10/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Condo rider is missing - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see corrected DOT - Seller-10/17/2025<br>| Resolved-Received corrected security instrument including condo rider. - Due Diligence Vendor-10/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO score 788; guidelines require 720. <br>LTV is less than guideline maximum - LTV 32.20% LTV. Allowed 80%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5358987 |
| XXXX | XXXX | 9243480 D A | Closed | FCRE0043 | 2025-09-02 19:50 | 2025-09-04 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. DSCR worksheet uploaded - Buyer-09/03/2025 <br>Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation. - Due Diligence Vendor-09/02/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-09/04/2025<br>| Months Reserves exceed minimum required - Reserves: 19 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 743 Min 700<br>LTV is less than guideline maximum - LTV: 65.00% Max 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5387350 |
| XXXX | XXXX | 9248259 D A | Closed | FCRE1241 | 2025-09-04 12:17 | 2025-10-13 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Revised appraisal provided. Appraisers commentary provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. corrected contract date<br> - Buyer-10/07/2025 <br> Counter-Received terms for purchase contract updates to appraiser-Received ratified purchase contract dated XXXX-SP XXXX. Appraisal reflects purchase contract date of XXXX with SP of XXXX. Provide complete purchase agreement. Or confirmation 1st dated XXXX was cancelled - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-09/23/2025 <br> Counter-Received ratified purchase contract dated XXXX-SP XXXX. Appraisal reflects purchase contract date of XXXX with SP of XXXX. Provide complete purchase agreement. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. 1) purchase contract<br> 2) Personal Guaranty Agreement - Buyer-09/10/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Missing Purchase Contract. - Due Diligence Vendor-09/04/2025 |  | Resolved-Revised appraisal provided. Appraisers commentary provided. - Due Diligence Vendor-10/09/2025<br>| Credit history exceeds minimum required - The Borrowers credit history exceeds the 12 months required 0x30.<br>Months Reserves exceed minimum required - 49.8 months reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5411892 |
| XXXX | XXXX | 9356681 D A | Closed | FCRE1334 | 2025-09-08 11:38 | 2025-10-14 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 C - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/10/2025 <br>Counter-Signed 4506C provided is incomplete. Missing 2 years. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. Supporting doc - Buyer-09/25/2025 <br>Counter-Received blank 4506C-provide fully executed 2 year 4506C - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-09/19/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506C is missing. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received 4506 C - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 3.67 months.<br>Long term residence - 10 yrs at current residence<br>Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 45.73%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5449195 |
| XXXX | XXXX | 9956969 D A | Closed | FCOM1352 | 2025-09-10 09:01 | 2025-11-04 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received The Business Purpose Affidavit. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Please find attached signed business purpose affidavit - Seller-11/03/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please find attached signed business purpose affidavit - Seller-11/03/2025<br>| Resolved-Received The Business Purpose Affidavit. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 802; guidelines require 740. <br>Months Reserves exceed minimum required - 19.28 months reserves; 6 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5479958 |
| XXXX | XXXX | 9502794 D B C A | Closed | finding-3634 | 2025-09-07 22:06 | 2025-09-15 09:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached compliance condition. - Seller-09/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Zero (0%) tolerance fees increased by XXXX (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations XXXX<br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached compliance condition. - Seller-09/12/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 795 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 31.32% - Max DTI = 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 | 5443571 |
| XXXX | XXXX | 9502794 D B C A | Closed | finding-3635 | 2025-09-07 22:06 | 2025-09-15 09:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached compliance condition. - Seller-09/12/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($107.00) exceed the comparable charges ($60.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ---- Ten (10%) tolerance fees (Recording Fee) increased by $47.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $41.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. XXXX - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please see attached compliance condition. - Seller-09/12/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 795 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 31.32% - Max DTI = 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 | 5443574 |
| XXXX | XXXX | 9502794 D B C A | Closed | FCRE1332 | 2025-09-10 12:48 | 2025-09-12 16:14 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Waived-Originator provided a waiver for < 1 month paystub, applied to non material finding with comp factors - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached exception. - Seller-09/11/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided Loan closed XXXX. B1's pay stubs in file are dated through XXXX and XXXX. Guides require most recent paystubs reflecting 30 days of pay and YTD earnings is required. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached exception. - Seller-09/11/2025<br>| Waived-Originator provided a waiver for < 1 month paystub, applied to non material finding with comp factors - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 795 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 31.32% - Max DTI = 50% | Current employment > 48 months<br> DTI below program max by 5%<br> Residual income $1,000 above program. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5486538 |
| XXXX | XXXX | 9502794 D B C A | Closed | FCRE1316 | 2025-09-10 12:48 | 2025-09-12 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. Please see attached VOE. - Buyer-09/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Per guides, a YTD paystub dated within 30 days of Note date or a verbal VOE dated no more than 10 calendar days prior to Note date, is required to verify a wage earner's employment. Most recent pay stub in file is greater than 30 days and a verbal VOE was missing. - Due Diligence Vendor-09/10/2025 |  | Resolved-Received VOE. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 795 Min FICO = 660<br>Qualifying DTI below maximum allowed - DTI = 31.32% - Max DTI = 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 | 5486537 |
| XXXX | XXXX | 9857715 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9502872 D A | Closed | FCRE8887 | 2025-09-12 09:45 | 2025-09-15 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected final 1003 - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/12/2025 <br>Open-Loan application has less than 2 years of housing history provided for the borrower. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received corrected final 1003 - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 725<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 24.49 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5514127 |
| XXXX | XXXX | 9502872 D A | Closed | FCRE7497 | 2025-09-12 10:25 | 2025-09-15 17:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-09/12/2025 <br> Open-Missing documentation to verify the P&I payment, as well as real estate taxes, hazard insurance, and any additional monthly obligations associated with the ownership of property '3b' of the Real Estate Owned section of the loan application. Audit has utilized the lender's payment of XXXX noted on the loan application to determine the DTI ratio until actual housing payment can be verified. Additional conditions may apply. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received final CD. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 725<br>Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 24.49 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5514998 |
| XXXX | XXXX | 9248234 C A | Closed | FCRE8201 | 2025-09-24 09:31 | 2025-11-10 13:04 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Corrected Note provided only signed by the borrower. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/24/2025 <br>Open-The co-borrower signed the Note as a member of the entity. The co-borrower also signed a Personal Guaranty which now requires a 1003 and credit report. Had they not signed a Personal Guaranty this would not have been required. - Due Diligence Vendor-09/24/2025 |  | Resolved-Corrected Note provided only signed by the borrower. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 721.<br>Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 68.68 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5650600 |
| XXXX | XXXX | 9502867 C B A | Closed | FCRE2244 | 2025-09-19 11:34 | 2025-09-23 16:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver for living space of 651 sq ft < 700 required, applied to non material finding with comp factors - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-09/22/2025 <br> Open-Property Issues are identified for the property • Property: Guideline XXXX pg 55 indicate minimum sq footage for SFR is 700 sq ft. Subject is 651 sq feet. - Due Diligence Vendor-09/19/2025 |  | Waived-Originator provided a waiver for living space of 651 sq ft < 700 required, applied to non material finding with comp factors - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below maximum allowed - • Qualifying DTI is less than the guideline max 45% for FTHB. <br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 808; Guideline minimum FICO 680. | DTI below program maximum by 5% or more<br> FICO score above program min by 20 points or higher | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 5602465 |
| XXXX | XXXX | 9956967 C B A | Closed | finding-3652 | 2025-09-21 15:02 | 2025-10-31 11:00 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected CD, LOE, check, and shipping label - Seller-10/30/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($409.37) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,527.50). 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 $1,527.50 to $409.37 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,118.13, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-09/21/2025 | Ready for Review-Document Uploaded. Please see attached corrected CD, LOE, check, and shipping label - Seller-10/30/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/31/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 22.88%; max allowable DTI 50.00%<br>LTV is less than guideline maximum - Qualifying LTV 65%; max allowable 80% LTV |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5611771 |
| XXXX | XXXX | 9956967 C B A | Closed | FCOM5135 | 2025-09-21 14:42 | 2025-09-21 14:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22.88%; max allowable DTI 50.00%<br>LTV is less than guideline maximum - Qualifying LTV 65%; max allowable 80% LTV |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5611752 |
| XXXX | XXXX | 9365895 D A | Closed | FCRE1151 | 2025-09-24 08:16 | 2025-10-23 17:40 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Deeds provided to show the borrower was added to title XXXX. Prior chain of title listed on the fraud report and from the print out from the county website. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/23/2025 <br> Counter-Received Warranty Deed dated XXXX and XXXX-missing complete 24 month chain of title - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/21/2025 <br> Counter-Current deed provided, please provide 24+ months chain of title. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Supporting doc - Recorded Deeds - Buyer-09/25/2025 <br> Open-Unsatisfactory Chain of Title provided. Title policy missing date when borrower was added to deed on property - Due Diligence Vendor-09/24/2025 |  | Resolved-Deeds provided to show the borrower was added to title XXXX. Prior chain of title listed on the fraud report and from the print out from the county website. - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 766; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 16.85 months in reserves; guideline minimum is 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5649594 |
| XXXX | XXXX | 9365895 D A | Closed | FCRE7806 | 2025-09-24 08:37 | 2025-09-25 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Bank statement worksheet not required on a DSCR. - Due Diligence Vendor-09/25/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing from loan file - Due Diligence Vendor-09/24/2025 |  | Resolved-Bank statement worksheet not required on a DSCR. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 766; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 16.85 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5649826 |
| XXXX | XXXX | 9365895 D A | Closed | FCRE7497 | 2025-09-22 18:14 | 2025-09-25 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After further review, this is a DSCR and primary taxes do not need to be verified. - Due Diligence Vendor-09/25/2025 <br>Open-Missing Taxes on primary residence. Subject to additional conditions - Due Diligence Vendor-09/24/2025 |  | Resolved-After further review, this is a DSCR and primary taxes do not need to be verified. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 766; guideline minimum is 700.<br>Months Reserves exceed minimum required - The Borrower has 16.85 months in reserves; guideline minimum is 3 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5627587 |
| XXXX | XXXX | 9502871 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9857648 C A | Closed | FCRE1479 | 2025-10-06 13:36 | 2025-10-31 14:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received current business bank statement reflecting sufficient assets. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Counter-Received settlement statement for cash proceeds-dated XXXX-Note date was XXXX-provide sufficient assets dated prior to closing sufficient for closing and required reserves. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/25/2025 <br> Counter-Funds for closing + 2 months reserves required-assets statement dated XXXX and expired. Provide current asset statement. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements ASSETS EXPIRED, Account Dated XXXX - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/25/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received current business bank statement reflecting sufficient assets. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 712 is higher than 700 minimum required <br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 2 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5788647 |
| XXXX | XXXX | 9857649 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9502114 D A | Closed | FCRE1202 | 2025-10-02 11:41 | 2025-10-20 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud report. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/13/2025 <br>Open-Third Party Fraud Report Partially Provided Co-borrower not reflected on search results - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/13/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - 107.44 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5751651 |
| XXXX | XXXX | 9502114 D A | Closed | FCRE1204 | 2025-10-15 11:41 | 2025-10-20 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/16/2025 <br> Open-Fraud Report Shows Uncleared Alerts \*\*\* New\*\* Missing SAM.gov verification for XXXX and Undisclosed REO active in Mers pg 19 of upload. - Due Diligence Vendor-10/15/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 107.44 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5902353 |
| XXXX | XXXX | 9502114 D A | Closed | FCRE1205 | 2025-10-15 11:41 | 2025-10-20 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received SAM clearance. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/16/2025 <br> Open-OFAC Check Not Completed and/or Cleared \*\* New\*\* Missing SAM.gov verification for XXXX - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/16/2025<br>| Resolved-Received SAM clearance. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 107.44 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5902354 |
| XXXX | XXXX | 9502114 D A | Closed | FCRE1437 | 2025-10-01 10:51 | 2025-10-20 12:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received revised CPA letter previous name and dates for business. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-10/17/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/13/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing verification of 24 months business existence. CPA letter notes a name change from the prior name XXXX but does not note the time of operation under the previous name. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/13/2025<br>| Resolved-Received revised CPA letter previous name and dates for business. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 107.44 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5733931 |
| XXXX | XXXX | 9502114 D A | Closed | FCRE1151 | 2025-10-02 11:21 | 2025-10-15 11:31 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Chain of Title. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/13/2025 <br>Open-Unsatisfactory Chain of Title provided. Chain of title not reflected on policy - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/13/2025<br>| Resolved-Received Chain of Title. - Due Diligence Vendor-10/15/2025<br>| Months Reserves exceed minimum required - 107.44 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5751224 |
| XXXX | XXXX | 9502114 D A | Closed | FCRE5790 | 2025-10-02 11:38 | 2025-10-10 12:17 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received gap report for both borrowers. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/09/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing updated gap credit report - Due Diligence Vendor-10/02/2025 |  | Resolved-Received gap report for both borrowers. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - 107.44 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Fico, 680 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5751595 |
| XXXX | XXXX | 9555120 D A | Closed | FCRE0043 | 2025-10-02 12:01 | 2025-10-14 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR Calculation was located. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/13/2025 <br>Open-The DSCR Calculation from lender is Missing. DSCR calculations is absent the loan file - Due Diligence Vendor-10/02/2025 |  | Resolved-DSCR Calculation was located. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Reserves = 6.58 months – Required Reserves = 3 Months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.025 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5753022 |
| XXXX | XXXX | 9555120 D A | Closed | FCRE0120 | 2025-10-02 12:01 | 2025-10-14 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | PPP rider was not provided | Resolved-Received PP Rider. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Prepayment Rider - Buyer-10/09/2025 <br>Open-PPP rider was not provided. ppp rider is absent the loan file - Due Diligence Vendor-10/02/2025 |  | Resolved-Received PP Rider. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - Reserves = 6.58 months – Required Reserves = 3 Months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.025 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5753023 |
| XXXX | XXXX | 9613756 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9857411 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9303134 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9857559 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9502140 D B A | Closed | FCRE1322 | 2025-10-14 21:10 | 2025-10-17 11:16 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Waived-Client provided a waiver for missing tax transcript for XXXX, applied to non material finding with comp factors - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/16/2025 <br> Open-Borrower 1 Business Tax Returns Missing Exception in file for having only 2 of 3 business transcripts from XXXX present. <br> - Due Diligence Vendor-10/15/2025 |  | Waived-Client provided a waiver for missing tax transcript for XXXX, applied to non material finding with comp factors - Due Diligence Vendor-10/17/2025 | Months Reserves exceed minimum required - Reserves: 27 Min 6 <br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $21,340.67, minimum required is $1,500. | 704 credit score<br> 25 months of reserves<br> 0x30x24 month housing history | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 5896003 |
| XXXX | XXXX | 9502140 D B A | Closed | FCOM1352 | 2025-10-10 20:40 | 2025-10-17 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received The Business Purpose Affidavit Disclosure is Present - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/16/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit for an investment loan. - Due Diligence Vendor-10/11/2025 |  | Resolved-Received The Business Purpose Affidavit Disclosure is Present - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Reserves: 27 Min 6 <br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $21,340.67, minimum required is $1,500. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5863774 |
| XXXX | XXXX | 10024830 D A | Closed | FCRE8887 | 2025-10-17 13:11 | 2025-12-03 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 provided. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/03/2025 <br> Counter-Final 1003 does not reflect property type for XXXX (Rental) - Due Diligence Vendor-11/10/2025 <br> Ready for Review-The condition says the final URLA is missing the REO section reflected on the initlal URLA. After comparing both, I note that both URLA's contain the same XXXX property under REO. Therefore, I do not see anything missing. Please clarify. - Seller-11/06/2025 <br> Open-Final Loan application is incomplete in that it is missing REO listed in initial loan application. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/03/2025 <br> Ready for Review-The condition says the final URLA is missing the REO section reflected on the initlal URLA. After comparing both, I note that both URLA's contain the same XXXX property under REO. Therefore, I do not see anything missing. Please clarify. - Seller-11/06/2025 | Resolved-Updated 1003 provided. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - LTV: 50% Max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 735 Min 660<br>Months Reserves exceed minimum required - Reserves: 9.75 Min 6 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5933587 |
| XXXX | XXXX | 10024830 D A | Closed | FCRE5782 | 2025-10-13 17:15 | 2025-12-03 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, gap credit is not required on DSCR loans. - Due Diligence Vendor-12/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing. - Due Diligence Vendor-10/13/2025 |  | Resolved-After further review, gap credit is not required on DSCR loans. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - LTV: 50% Max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 735 Min 660<br>Months Reserves exceed minimum required - Reserves: 9.75 Min 6 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5878933 |
| XXXX | XXXX | 9555123 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9613762 D A C | Closed | FCRE1440 | 2025-10-13 09:31 | 2025-12-02 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received correct VOR - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/01/2025 <br> Counter-Received documentation on subject and primary-missing corrected VOR date for primary. (infile reflects 1998 as well) - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-11/20/2025 <br> Counter-Received VOR - dated XXXX-please clarify date. VOR does not reflect 1x30 payment history and LOE reflect 1x30 XXXX. Received Indemnification Agreement from sellers - provide settlement statement for purchase of subject as appears purchase finalized in XXXX. Additional conditions may apply. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower purchased subject property XXXX with financing. Credit Supplement in file only shows 5 mos verified payments. Verify if payments are required monthly being an interest only loan. Guides require 12 month payment history. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received correct VOR - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - Max 75%, actual 70%<br>Months Reserves exceed minimum required - min 3, actual 12.45 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5870451 |
| XXXX | XXXX | 9613762 D A C | Closed | FCRE5782 | 2025-10-13 09:31 | 2025-12-02 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the UDM is on the fraud report. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing No Gap Credit Report in file. - Due Diligence Vendor-10/14/2025 |  | Resolved-After further review, the UDM is on the fraud report. - Due Diligence Vendor-10/15/2025<br>| LTV is less than guideline maximum - Max 75%, actual 70%<br>Months Reserves exceed minimum required - min 3, actual 12.45 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5870452 |
| XXXX | XXXX | 9613762 D A C | Closed | FVAL2477 | 2025-10-14 13:31 | 2025-10-22 11:56 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received appraisal w/sketch. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/20/2025 <br>Open-Missing floor plan sketch - Due Diligence Vendor-10/14/2025 |  | Resolved-Received appraisal w/sketch. - Due Diligence Vendor-10/22/2025<br>| LTV is less than guideline maximum - Max 75%, actual 70%<br>Months Reserves exceed minimum required - min 3, actual 12.45 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5890091 |
| XXXX | XXXX | 9555122 D B A | Closed | FPRO9999 | 2025-10-13 19:47 | 2025-10-27 08:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Client waiver applied to non-material finding with compensating factors. Allow fir the pending litigation that is not structural or a health and safety issue, The suit is being defended by the contractors insurance policy. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/22/2025 <br>Counter-Received the letter from the attorney for the pending litigation. Per the guidelines, pending litigation may be accepted on an exception basis. Approved exception form not received. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/15/2025 <br>Open-The condo project has pending litigation. The condo questionnaire has litigation (page 903). It is a slip and fall case and has nothing to do with safety or structural. The loan file contains a letter from an attorney's office explaining that someone fell off a ladder while working (page 909). However, the guidelines state: "Pending litigation may be accepted on an exception basis. Litigation that involves structural issues, health and safety issues or items that will impact the marketability of the project will not be accepted." However, an exception is not in the file. - Due Diligence Vendor-10/14/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Allow fir the pending litigation that is not structural or a health and safety issue, The suit is being defended by the contractors insurance policy. - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - The borrower has over 58 months of reserves after closing. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700 | FICO- 752<br> 211 months in reserves<br> Residual income is $6923.00 a month<br> DTI 48% less than guideline max of 50% | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 5881046 |
| XXXX | XXXX | 9555122 D B A | Closed | FCRE0044 | 2025-10-13 20:59 | 2025-10-21 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/20/2025 <br>Open-LOX for credit inquiries is missing. An inquiry letter is missing from the loan file. There is an inquiry that should have been discussed. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/20/2025<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-10/21/2025<br>| Months Reserves exceed minimum required - The borrower has over 58 months of reserves after closing. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5881304 |
| XXXX | XXXX | 9555122 D B A | Closed | FCRE1193 | 2025-10-14 19:06 | 2025-10-17 15:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver to accept DTI above guideline, applied to non material finding with comp factors - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-10/15/2025 <br> Open-Audited DTI of 48.74% exceeds Guideline DTI of 45% First Time Home Buyer Max 45% DTI per XXXX guidelines/matrix - Due Diligence Vendor-10/14/2025 |  | Waived-Originator provided a waiver to accept DTI above guideline, applied to non material finding with comp factors - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - The borrower has over 58 months of reserves after closing. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700 | Our borrower has an excellent rental payment history, high credit score, minimal consumer debt and reserves of over $1.6M. The borrower is a successful and established creative director. We are averaging their XXXX and XXXX income to qualify The borrower earns income from dividends and interest however, we are not using the D&I income to qualify. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 5894989 |
| XXXX | XXXX | 9555122 D B A | Closed | FCRE5782 | 2025-10-13 20:36 | 2025-10-17 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A GAP report is missing from the loan file. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/15/2025<br>| Resolved-Received Gap report. - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - The borrower has over 58 months of reserves after closing. <br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5881203 |
| XXXX | XXXX | 9956975 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9956974 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9768913 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9857519 D B A | Closed | FCRE1345 | 2025-10-21 16:38 | 2025-10-24 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received Signed Lease agreeement. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. signed lease - Seller-10/23/2025 <br>Open-Borrower 1 Lease Agreements Missing Lease for subject property is not signed - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. signed lease - Seller-10/23/2025<br>| Resolved-Received Signed Lease agreeement. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying scores is 767, guideline requires 660<br>LTV is less than guideline maximum - Qualifying LTV is 68%, guidelines require 80% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5964480 |
| XXXX | XXXX | 9857519 D B A | Closed | FCRE8702 | 2025-10-21 16:26 | 2025-10-21 16:39 | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow no attorney opinion letter . Non-material waiver applied with comp factors. Deemed non-material due to common for small LLC entities. - Due Diligence Vendor-10/21/2025 <br>Open-The Business Entity Formation Document is incomplete Missing attorney opinion letter - Due Diligence Vendor-10/21/2025 |  | Waived-Originator exception granted to allow no attorney opinion letter . Non-material waiver applied with comp factors. Deemed non-material due to common for small LLC entities. - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying scores is 767, guideline requires 660<br>LTV is less than guideline maximum - Qualifying LTV is 68%, guidelines require 80% | LTV 10% under max<br> FICO 20 points over minimum<br> DTI 10% under max<br> Reserves 12+ over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5964291 |
| XXXX | XXXX | 9613787 D A | Closed | FCRE1510 | 2025-10-20 16:56 | 2026-02-20 16:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Ready for Review-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description referenced as attached to Security Instrument is not included within the document or riders. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-11/18/2025<br>|  | Months Reserves exceed minimum required - Reserves: 40 Min 3<br>LTV is less than guideline maximum - LTV: 69.66% Max 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5951347 |
| XXXX | XXXX | 9613787 D A | Closed | FCRE1232 | 2025-11-07 12:51 | 2025-11-20 15:53 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-The taxes have been updated to reflect annual vs. bi-annual. - Due Diligence Vendor-11/20/2025 <br>Open-The Calculated DSCR of '0.778' is less than the minimum DSCR per lender guidelines of '0.8'. \*New\* Received verification of taxes. - Due Diligence Vendor-11/07/2025 |  | Resolved-The taxes have been updated to reflect annual vs. bi-annual. - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - Reserves: 40 Min 3<br>LTV is less than guideline maximum - LTV: 69.66% Max 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6174318 |
| XXXX | XXXX | 9613787 D A | Closed | FCRE1152 | 2025-10-20 13:34 | 2025-11-20 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Record Information Sheet. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. The borrower waives escrows. We only impound for flood since we cannot waive flood. - Buyer-11/06/2025 <br> Counter-Title to confirm XXXX taxes. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Supporting docs - Buyer-10/27/2025 <br> Counter-Received property tax cert reflecting XXXX taxes $1,365.80-clarify why $840.40 was considered required. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-10/22/2025 <br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-10/22/2025<br>| Resolved-Received Tax Record Information Sheet. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Reserves: 40 Min 3<br>LTV is less than guideline maximum - LTV: 69.66% Max 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5948842 |
| XXXX | XXXX | 9613787 D A | Closed | FCRE1509 | 2025-10-20 12:28 | 2025-11-11 12:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received prepayment penalty addendum to Note. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/10/2025 <br>Open-There are Issues Present on the Note that must be addressed. Note missing prepayment penalty addendum/terms, as stated on Closing Disclosure. Auditor completed system information based on the Closing Disclosure but contingent on review of the actual Prepayment Penalty Addendum. Other findings may apply. - Due Diligence Vendor-10/21/2025 |  | Resolved-Received prepayment penalty addendum to Note. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - Reserves: 40 Min 3<br>LTV is less than guideline maximum - LTV: 69.66% Max 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5947936 |
| XXXX | XXXX | 9613787 D A | Closed | FCRE2244 | 2025-10-20 13:40 | 2025-11-07 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received updated Appraisal w/photos showing the kitchen and lighting complete. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/06/2025 <br>Counter-Received revised appraisal supporting kitchen is not complete-provide final inspection reflecting kitchen complete with required appliances an hookups. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/24/2025 <br>Open-Property Issues are identified for the property Appraisal Report missing photos of a completed kitchen and if appliances meet minimum required. Although appraiser stated subject was tenant occupied, photos show subject with construction materials and equipment, with unfinished light fixtures (bulbs hanging from holes in ceilings). Other findings may apply. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-11/06/2025<br>| Resolved-Received updated Appraisal w/photos showing the kitchen and lighting complete. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Reserves: 40 Min 3<br>LTV is less than guideline maximum - LTV: 69.66% Max 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5948922 |
| XXXX | XXXX | 9956977 D B A | Closed | FCRE1342 | 2025-11-19 23:33 | 2025-11-21 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-After further review, the fico is above 700 and the LTV is below 70%, bank statements not required. - Due Diligence Vendor-11/21/2025 <br>Open-Borrower 1 Business Bank Statements Missing Borrower 1 Business Bank Statements Missing Per guides, the Profit & Loss Only program requires 12- or 24-month P&L (end date <60 days before close) and most recent 2 months bank statements. The bank statements must validate revenue and P&L gross should align to deposits within +/- 10%. If FICO greater than or equal to 700 and LTV ≤70%, then use the P&L net monthly average. Lender to provide most recent 2 months bank statements. Additional conditions may apply pending review. - Due Diligence Vendor-11/20/2025 |  | Resolved-After further review, the fico is above 700 and the LTV is below 70%, bank statements not required. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6314900 |
| XXXX | XXXX | 9956977 D B A | Closed | FCRE0105 | 2025-10-22 10:01 | 2025-11-20 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Because this is a detached condo, structural engineer inspection is not required. - Seller-10/31/2025 <br>Open-The file does not contain the required structural engineer report per state law. Provide structural engineer report as required. Balconies have wood structure overhang. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Because this is a detached condo, structural engineer inspection is not required. - Seller-10/31/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5970383 |
| XXXX | XXXX | 9956977 D B A | Closed | FCOM1232 | 2025-10-21 10:17 | 2025-11-20 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 <br>Open-The Final 1003 is Missing ----- please provide final 1003 - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5957182 |
| XXXX | XXXX | 9956977 D B A | Closed | finding-3634 | 2025-10-21 11:17 | 2025-11-18 12:07 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX with lender credit cure disclosed correctly. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. It took some effort but we finally figured out how to update the line on the actual CD in DocMagic. Could we get some clarification on the basis for your request? In all other cases of tolerance cures, our past process was sufficient for all parties: Add the amount to Lender Credit on the CD and Provide a detailed explanation comparing amount disclosed, allowed and charged. I've looked through all compliance guidence I could find and haven't found the extra verbiage on the CD to be required, suggested, recommended, etc. I don't mean to be difficult on your requirement, I just want to be able to properly document the update I'll make to our policies & procedures. - Seller-11/18/2025 <br> Counter-Received CD XXXX however, the verbiage "Includes $247.20 for closing costs above legal limit." is missing from section J. Please provide updated CD. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. PCCD generated prior to check being written, has a date of XXXX, but this is the correct CD - Seller-11/17/2025 <br> Counter------Still missing PCCD from date of check XXXX. Please provide. Received LOE, Copy of Check and Shipping label. Finding Remains. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Apologies, here you go. - Seller-11/13/2025 <br> Counter------Please provide the PCCD and copy of the check for the cure. Received the LOE and shipping label. Finding Remains. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Tolerance cure sent to borrower. Please see attached. - Seller-11/10/2025 <br> Counter------Section B is a Zero Tolerance section, the only time it becomes a 10% tolerance section is when the title fees are moved into it, the only information in section B that is run with the 10% tolerance are the title fees. The Appraisals, Re-inspections, CDA's, Credit Report, Flood Cert, Tax Service and Third-party processing fees are run with a zero-tolerance review. <br> The CDA was added on the CD XXXXfor $185.40, which is not mentioned on the COC provided, and then increased to $432.60 on the final CD XXXX. Please provided a COC for this crease of fee, or a PCCD with a credit to the borrower for this fee over legal limits.<br> - Due Diligence Vendor-11/10/2025 <br> Ready for Review-No additional COC is required. While we acknowledge the change in the CDA Review fee, this change occured within section B which allows a 10% tolerance. As well, it should be pointed out that this 10% tolerance applies the affected fees in aggregate--not on an individual fee basis.<br>As previously indicated, The most recent COC dated XXXX (previously attached as supporting documentation to this condition) totals $5464.80 for which the 10% threshold is $6011.28. Since the Final CD shows totals fees in Section B of only $5712. Therefore, the loan is within tolerance. <br>Please call me to discuss XXXX - Seller-11/10/2025 <br> Counter-Please provide COC for additional fee of $432.60 for a CDA that appears as a new fee on the Final CD issued XXXX. Finding remains. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-In reviewing your comments, it almost seems like we're looking at two different sets of documents. In my review of the 2nd COC which also produced the Initial CD on XXXX versus the final CD dated XXXX, I see the following:<br> Section A. Matches to the Penny.<br> Section B. Total costs disclosed at $5464.80 for which 110% equals $6011.28. Since the Final CD shows $5712.00, this is well within tolerance.<br>Now, your comment also references Appraisal Review Charges of $247.20 even though the final CD shows two Appraisal Review charges which only total $185.40 so I'm not sure on what basis you're sourcing the additional $61.80. <br>Finally, the entire comment seems predicated on the claim that changes were made without a valid COC which, as indicated above, was part of the creation of that XXXX Initial CD. Is it possible you're really just asking for a COC document? - Seller-11/07/2025 <br> Counter-----Received COC for appraisal review changes on CD XXXX. Does not cover the changes on Final CD XXXX. ----- Zero (0%) tolerance fees increased by $247.20 (Appraisal Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $247.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX. - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $247.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $648.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $648 (Appraisal Review Fee & Appraisal Recertification) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $648, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires XXXX.<br> - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. It took some effort but we finally figured out how to update the line on the actual CD in DocMagic. Could we get some clarification on the basis for your request? In all other cases of tolerance cures, our past process was sufficient for all parties: Add the amount to Lender Credit on the CD and Provide a detailed explanation comparing amount disclosed, allowed and charged. I've looked through all compliance guidence I could find and haven't found the extra verbiage on the CD to be required, suggested, recommended, etc. I don't mean to be difficult on your requirement, I just want to be able to properly document the update I'll make to our policies & procedures. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. PCCD generated prior to check being written, has a date of XXXX, but this is the correct CD - Seller-11/17/2025 <br> Ready for Review-Document Uploaded. Apologies, here you go. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. Tolerance cure sent to borrower. Please see attached. - Seller-11/10/2025 <br> Ready for Review-No additional COC is required. While we acknowledge the change in the CDA Review fee, this change occured within section B which allows a 10% tolerance. As well, it should be pointed out that this 10% tolerance applies the affected fees in aggregate--not on an individual fee basis.<br>As previously indicated, The most recent COC dated XXXX (previously attached as supporting documentation to this condition) totals $5464.80 for which the 10% threshold is $6011.28. Since the Final CD shows totals fees in Section B of only $5712. Therefore, the loan is within tolerance. <br>Please call me to discuss XXXX - Seller-11/10/2025 <br> Ready for Review-In reviewing your comments, it almost seems like we're looking at two different sets of documents. In my review of the 2nd COC which also produced the Initial CD on XXXX versus the final CD dated XXXX, I see the following:<br> Section A. Matches to the Penny.<br> Section B. Total costs disclosed at $5464.80 for which 110% equals $6011.28. Since the Final CD shows $5712.00, this is well within tolerance.<br>Now, your comment also references Appraisal Review Charges of $247.20 even though the final CD shows two Appraisal Review charges which only total $185.40 so I'm not sure on what basis you're sourcing the additional $61.80. <br>Finally, the entire comment seems predicated on the claim that changes were made without a valid COC which, as indicated above, was part of the creation of that XXXX Initial CD. Is it possible you're really just asking for a COC document? - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/31/2025 | Cured-Received PCCD XXXX with lender credit cure disclosed correctly. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5958255 |
| XXXX | XXXX | 9956977 D B A | Closed | FCRE8887 | 2025-10-21 16:10 | 2025-11-04 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received updated 1003<br> - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/31/2025 <br> Open-Final 1003 provided is not on more recent form XXXX. Please provide final 1003 on the correct form. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/31/2025<br>| Resolved-Received updated 1003<br> - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5963993 |
| XXXX | XXXX | 9956977 D B A | Closed | FCOM5135 | 2025-10-21 10:31 | 2025-10-21 10:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 720, Borrower has 763<br>Qualifying DTI below maximum allowed - Max DTI is 50%, Borrower has 10.87% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5957376 |
| XXXX | XXXX | 9613767 D A | Closed | FCRE7497 | 2025-10-21 10:50 | 2025-11-03 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD for REO 3c. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Note for 3C - Buyer-10/31/2025 <br>Counter-Received ACH form-please provide final CD and 1st payment letter or Note, HOI, RE Taxes and HOA if applicable for new 3c. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Uploading again, proof of the PITI fopr 3c if this documentation is not sufficent please let me know what is needed - Buyer-10/28/2025 <br>Counter-Received ACH form-missing Verification of new PITI for REO 3c not provided - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. PITI for 3C - Buyer-10/24/2025 <br>Open-Verification of new PITI for REO 3c not provided - Due Diligence Vendor-10/21/2025 |  | Resolved-Received Final CD for REO 3c. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - 21.33 months PITIA reserves; 6 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 39.24%; max permitted 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5957721 |
| XXXX | XXXX | 9613767 D A | Closed | FCRE1440 | 2025-10-21 10:32 | 2025-10-27 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage update confirming due for XXXX - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. 1) Next payment for XXXX is XXXX this is the only XXXX account and the number is XXXX not XXXX<br> 2) Found the statement for XXXX next payment due is XXXX - Buyer-10/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements XXXX, Inc acct XXXX payments for XXXX and XXXX not provided - Due Diligence Vendor-10/21/2025 |  | Resolved-Received mortgage update confirming due for XXXX - Due Diligence Vendor-10/27/2025 | Months Reserves exceed minimum required - 21.33 months PITIA reserves; 6 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 39.24%; max permitted 50%. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5957397 |
| XXXX | XXXX | 9694048 D B A | Closed | FCRE5782 | 2025-10-24 15:48 | 2025-11-03 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Credit report - Buyer-10/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-11/03/2025<br>| Qualifying DTI below maximum allowed - Max 50%, actual 43.43%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 779 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6011572 |
| XXXX | XXXX | 9694048 D B A | Closed | FCRE0044 | 2025-10-24 16:07 | 2025-10-29 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received confirmation inquiry is from originator (dba)-no inquiry LOE required. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-10/28/2025 <br>Open-LOX for credit inquiries is missing. Missing LOX for 1 inquiry - Due Diligence Vendor-10/27/2025 |  | Resolved-Received confirmation inquiry is from originator (dba)-no inquiry LOE required. - Due Diligence Vendor-10/29/2025<br>| Qualifying DTI below maximum allowed - Max 50%, actual 43.43%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 779 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6011896 |
| XXXX | XXXX | 9694048 D B A | Closed | FCOM5135 | 2025-10-24 11:25 | 2025-10-24 11:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/24/2025<br>| Qualifying DTI below maximum allowed - Max 50%, actual 43.43%<br>Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 779 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 6005419 |
| XXXX | XXXX | 9694050 D B A | Closed | FCRE0174 | 2025-10-29 14:38 | 2025-11-05 12:52 | Waived | 2 - Non-Material D B | Credit | Eligibility | Residual Income does not meet Guideline Requirements | Waived-Originator waiver applied to non-material findings with comp factors - Due Diligence Vendor-11/05/2025 <br>Open-Residual Income does not meet Guideline Requirements. The residual income for this file is < $1,500 (monthly income of $2,659.33 - monthly debt of $1,323.53 = $1,335.80) Guidelines require a minimum residual income of $1,500 - Due Diligence Vendor-10/29/2025 |  | Waived-Originator waiver applied to non-material findings with comp factors - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - -21 months reserves, inclusive of cash out with 3 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score required is 680 and the borrower has 707 fico score.<br>LTV is less than guideline maximum - Max LTV ratio is 75 and the borrower's LTV ratio is 29.58%. | • FICO 27 pts above min<br> • LTV of 29.58% with max of 75%<br> • 21 months reserves (inclusive of cash out) with 3 months required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6057043 |
| XXXX | XXXX | 9694050 D B A | Closed | FCRE7806 | 2025-10-27 14:34 | 2025-10-28 18:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is present on the 1008. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 - income calculation is noted in the comment section. - Buyer-10/28/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing from loan file - Due Diligence Vendor-10/27/2025 |  | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is present on the 1008. - Due Diligence Vendor-10/28/2025<br>| Months Reserves exceed minimum required - -21 months reserves, inclusive of cash out with 3 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score required is 680 and the borrower has 707 fico score.<br>LTV is less than guideline maximum - Max LTV ratio is 75 and the borrower's LTV ratio is 29.58%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6026520 |
| XXXX | XXXX | 9555111 C B A | Closed | FCRE2244 | 2025-10-27 15:07 | 2025-11-03 13:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client provided a waiver for non XXXX, appraisal, applied to non material finding with comp factors - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Exception request has been approved. - Buyer-10/31/2025 <br> Open-Property Issues are identified for the property Appraisal was completed as No XXXX,. All appraisals must be ordered through an XXXX. Appraisals that are not ordered through an XXXX, but are AIR compliant can be accepted with prior investor approval. No exception found in file.<br> - Due Diligence Vendor-10/27/2025 |  | Waived-Client provided a waiver for non XXXX, appraisal, applied to non material finding with comp factors - Due Diligence Vendor-11/03/2025 | Months Reserves exceed minimum required - 32.87 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 790 FICO, 680 required | FICO: 790<br> DTI: 33% more than 10% below requirement. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 6027123 |
| XXXX | XXXX | 9857484 D A | Closed | FCRE3978 | 2025-10-30 10:19 | 2025-10-31 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received borrower LOE. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. LOE from borrower regarding the listing of property - Seller-10/30/2025 <br>Open- The borrower must confirm in writing the reason for the prior listing and their intentions for the property. Subject was listed one month prior to application. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. LOE from borrower regarding the listing of property - Seller-10/30/2025<br>| Resolved-Received borrower LOE. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - Qualifying reserves 41 months, guidelines require 9 months. <br>Qualifying FICO score is at least 20 points above minimum for program - 736 > 700 required. <br>Qualifying DTI below maximum allowed - Qualifying dti is 26.5, guidelines max is 50 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6066812 |
| XXXX | XXXX | 9694022 C A | Closed | FCRE1479 | 2025-10-29 09:48 | 2025-11-13 09:34 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received PCCD. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-11/12/2025 <br> Counter-Gift documentation provided as a batch. Please provide the PCCD. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-11/07/2025 <br> Counter-Gift letter and wire receipt for $48,300 provided. Please provide a completed Gift Letter and evidence of receipt for $235,000.00 - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. 1) Please apply to condition regarding the XXXX gift<br> 2) statement verifying account is where rent comes from and matches printout attached with 12 month history. Please apply to VOR condition - Seller-11/05/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Gift letter in file for XXXX is not fully executed. Need to verify if Gift was given at closing since it is not on final CD. Need complete asset documentation to support gift came from an acceptable source. If gift was not given - short funds to close and reserves. Subject to additional conditions. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-11/07/2025 <br>Ready for Review-Document Uploaded. 1) Please apply to condition regarding the $48,300 gift<br> 2) statement verifying account is where rent comes from and matches printout attached with 12 month history. Please apply to VOR condition - Seller-11/05/2025<br>| Resolved-Received PCCD. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - Min 6, actual 15.26<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 803 - Min is 720 - 83 pts above |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6050192 |
| XXXX | XXXX | 9694022 C A | Closed | FCRE1480 | 2025-10-29 09:48 | 2025-11-13 09:34 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Gift Letter and wire receipt. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. 1) Please apply to condition regarding the XXXX gift<br> 2) statement verifying account is where rent comes from and matches printout attached with 12 month history. Please apply to VOR condition - Buyer-11/05/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Verify if EMD of XXXX was given as a gift from borrower's spouse. Money appears to have come from borrower's spouse - no gift letter in file. Need bank statements to verify what account EMD came from to support is came from an acceptable source. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Gift Letter and wire receipt. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Min 6, actual 15.26<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 803 - Min is 720 - 83 pts above |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6050194 |
| XXXX | XXXX | 9694022 C A | Closed | FCRE1440 | 2025-10-29 09:26 | 2025-11-06 09:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. 1) This statement from Bwr's account shows 12 months history of rent. Please apply to VOR condition<br> 2) statement verifying account is where rent comes from and matches printout attached with 12 month history. Please apply to VOR condition - Seller-11/05/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Need VOR or cancelled checks/bank statements to support most recent 12 months of rent for borrower has been paid as agreed. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. 1) This statement from Bwr's account shows 12 months history of rent. Please apply to VOR condition<br> 2) statement verifying account is where rent comes from and matches printout attached with 12 month history. Please apply to VOR condition - Seller-11/05/2025<br>| Resolved-Received payment history - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Min 6, actual 15.26<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 803 - Min is 720 - 83 pts above |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6049883 |
| XXXX | XXXX | 9846196 D A | Closed | FCRE1498 | 2025-10-29 16:16 | 2025-11-26 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Received documentation to support sufficient investor experience. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Lease agreement documenting management experience uploaded for review - Seller-10/30/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Need documentation to support borrower either had ownership and/or XXXX, for at least one year in the last XXXX, years. (Sale of XXXX does not show length of ownership). - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Lease agreement documenting management experience uploaded for review - Seller-10/30/2025<br>| Resolved-Received documentation to support sufficient investor experience. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 761 - Min FICO is 720- we are 41 pts above<br>Months Reserves exceed minimum required - We have 987.3 mos reserves - guides require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6058762 |
| XXXX | XXXX | 9846196 D A | Closed | FCRE0008 | 2025-11-07 17:11 | 2025-11-19 12:47 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received prepay addendum to Note - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/18/2025 <br>Open-The final CD and the first payment letter indicate that the loan has a PPP, however the PPP addendum was not located in the file. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-11/18/2025<br>| Resolved-Received prepay addendum to Note - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 761 - Min FICO is 720- we are 41 pts above<br>Months Reserves exceed minimum required - We have 987.3 mos reserves - guides require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6179693 |
| XXXX | XXXX | 9846196 D A | Closed | FCOM1352 | 2025-10-30 10:15 | 2025-11-06 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/05/2025 <br>Counter-Occupancy Affidavit provided. Please provide the Business Purpose Certificate. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/30/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose disclosure - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-10/30/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 761 - Min FICO is 720- we are 41 pts above<br>Months Reserves exceed minimum required - We have 987.3 mos reserves - guides require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6066717 |
| XXXX | XXXX | 9846196 D A | Closed | FCRE1440 | 2025-10-29 15:34 | 2025-10-31 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contains sufficient housing history. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. VOR Uploaded for review - Seller-10/30/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Mtg verified for 6 moths with SMS, need VOR for prior address on 1003 to complete 12 month acceptable mtg/rent history. (VOR in file shows it is for current address on 1003 versus prior address). - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. VOR Uploaded for review - Seller-10/30/2025<br>| Resolved-Upon further review, the loan file contains sufficient housing history. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 761 - Min FICO is 720- we are 41 pts above<br>Months Reserves exceed minimum required - We have 987.3 mos reserves - guides require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6058028 |
| XXXX | XXXX | 9846196 D A | Closed | FCRE1482 | 2025-10-29 16:08 | 2025-10-31 13:50 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received 1031 Exchange documentation. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-1031 asset uploaded - Buyer-10/30/2025 <br>Open-Asset 4 Does Not Meet Guideline Requirements Missing documentation from 1031 exchange agent on acceptable funds available that were listed as a credit on the final CD at closing. \*Other findings may apply\* - Due Diligence Vendor-10/29/2025 |  | Resolved-Received 1031 Exchange documentation. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 761 - Min FICO is 720- we are 41 pts above<br>Months Reserves exceed minimum required - We have 987.3 mos reserves - guides require 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6058642 |
| XXXX | XXXX | 9846208 D A | Closed | FCRE5782 | 2025-10-30 00:31 | 2025-11-04 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & 2 Gap Credit Report is Missing - Due Diligence Vendor-10/30/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - Maximum FTHB DTIis 45%, qualifying DTI is 40.89%<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 4.33 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6061838 |
| XXXX | XXXX | 9846208 D A | Closed | FCRE0044 | 2025-10-30 00:49 | 2025-11-04 12:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Supporting document - Buyer-11/03/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-11/04/2025<br>| Qualifying DTI below maximum allowed - Maximum FTHB DTIis 45%, qualifying DTI is 40.89%<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrowers have 4.33 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6061916 |
| XXXX | XXXX | 9855585 C B A | Closed | FCRE9065 | 2025-11-12 09:35 | 2025-11-14 14:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Interest rate per executed note does not meet program requirements | Waived-Client provided a waiver for DSCR < 1 with IO loan, applied to non material finding with reviewed comp factors - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. Exception approval - Buyer-11/13/2025 <br>Counter-Document Uploaded. Exception request provided. Pending receipt of the client approval. - Due Diligence Vendor-11/12/2025 <br>Open-The DSCR is .93 which is below 1. Guidelines for DSCR <1 does not allow Interest Only. Subject is an interest only loan.<br> - Due Diligence Vendor-11/12/2025 |  | Waived-Client provided a waiver for DSCR < 1 with IO loan, applied to non material finding with reviewed comp factors - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Min 3, actual 62.64<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 751, minimum is 700 | There will be an Exception LLPA hit of .25. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6221838 |
| XXXX | XXXX | 9855585 C B A | Closed | FCRE8701 | 2025-10-31 12:59 | 2025-11-14 14:40 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received confirmation EIN documentation received is sufficient. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-SOS was pulled on application date and is not required to be updated prior to closing. Ownership verificaiton is not required for this program either, statement of information from SOS shows single director/officer with no vacancies. Should be sufficient. - Buyer-11/13/2025 <br> Counter-Received Rebuttal. Missing EIN from IRS or CPA, Missing borrower percentage (stock) ownership, Missing Good Standing (Sos received was pulled XXXX) - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. EIN Rebuttal - Buyer-11/10/2025 <br> Counter-Missing EIN from IRS or CPA, Missing borrower percentage (stock) ownership, Missing Good Standing (Sos received was pulled XXXX) - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. EIN - Buyer-11/04/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing from loan file. Email provided with EIN which is not acceptable - Due Diligence Vendor-10/31/2025 |  | Resolved-Received confirmation EIN documentation received is sufficient. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Min 3, actual 62.64<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 751, minimum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6084955 |
| XXXX | XXXX | 9846190 B A | Closed | FCOM1353 | 2025-10-30 08:50 | 2025-10-31 10:20 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). - Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). - Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - We have 15.15 mos reserves - we only need 3 mos verified<br>LTV is less than guideline maximum - Our LTV is 55.71% - Max is 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 6064974 |
| XXXX | XXXX | 9956978 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9768926 D B A | Closed | FCRE1325 | 2025-11-03 12:36 | 2025-12-05 11:18 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Waived-Client provided a waiver for VOE - completed Tax preparer with PTIN, applied to non material finding with comp factors. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/24/2025 <br>Open-Borrower 1 CPA Letter Missing CPA letter was completed by PTIN. Guideline PTIN or ASFP preparers that work for a 3rd party firm may be permitted by exception only. No exception in loan file - Due Diligence Vendor-11/03/2025 |  | Waived-Client provided a waiver for VOE - completed Tax preparer with PTIN, applied to non material finding with comp factors. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42<br>LTV is less than guideline maximum - LTV is 75% maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 742, minimum is 700 | Credit Score: 742Reserves (months): 3 DTI: 41.376% max 50% Residual Income: (x amt above min) DSCR: (x amt above min) Credit History: 0x30 Payment Shock: (FTHB; <200% accept) LTV: 75% max 80% Employment Stability 8+ years S/E Credit Profile (Low usage /lower pymts) | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6101637 |
| XXXX | XXXX | 9768926 D B A | Closed | FCRE1254 | 2025-11-03 12:09 | 2025-12-03 15:40 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received 24-month chain of title - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Uploaded Title Commitment - Seller-12/01/2025 <br>Counter-Received title. Title did not reveal 24 month chain of title. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/24/2025 <br>Open-Property Title Issue 24 month chain of title missing from policy - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Uploaded Title Commitment - Seller-12/01/2025<br>| Resolved-Received 24-month chain of title - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42<br>LTV is less than guideline maximum - LTV is 75% maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 742, minimum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6101113 |
| XXXX | XXXX | 9768926 D B A | Closed | FCOM1352 | 2025-11-03 12:03 | 2025-11-26 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/24/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing from loan file. Closed in an entity - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-11/24/2025<br>| Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42<br>LTV is less than guideline maximum - LTV is 75% maximum is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Fico is 742, minimum is 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6101007 |
| XXXX | XXXX | 9613782 D A | Closed | FCRE1148 | 2025-11-03 09:33 | 2025-11-06 13:54 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-11/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage $150,000, need XXXX- Due Diligence Vendor-11/03/2025 |  | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 3 MONTHS RESERVES REQUIRED, 49.19 MONTHS RESERVES VERIFIED<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 758, MINIMUM IS 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6097108 |
| XXXX | XXXX | 9613782 D A | Closed | FCRE2393 | 2025-11-02 12:24 | 2025-11-06 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received IEADS - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/04/2025 <br>Open-Missing evidence of initial escrow account disclosure. - Due Diligence Vendor-11/02/2025 |  | Resolved-Received IEADS - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 3 MONTHS RESERVES REQUIRED, 49.19 MONTHS RESERVES VERIFIED<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 758, MINIMUM IS 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6092167 |
| XXXX | XXXX | 9846202 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9694056 D A C | Closed | FCOM9998 | 2025-11-03 10:00 | 2025-11-21 16:06 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received copy of CD with section 5 completed. Finding Resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. I have attached a disclosure that was provided as a "final CD" but the Title company called the day of closing (Purchase contract called for Seller to pay all taxes for current year) and we issued the revised CD which is the one executed at closing - Buyer-11/06/2025 <br> Counter------Need Calculations from page 5 for revised CD XXXX with Closing costs of $37563.02. CD sent was for the closing. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/05/2025 <br> Open------CD XXXX is missing the Loan Calculations section on pg. 5. - Due Diligence Vendor-11/03/2025 |  | Resolved------Received copy of CD with section 5 completed. Finding Resolved. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.68%; max permitted 50%.<br>Months Reserves exceed minimum required - 36.32 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6097576 |
| XXXX | XXXX | 9694056 D A C | Closed | FCRE1325 | 2025-11-03 13:21 | 2025-11-06 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming business start date. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Business look up verifying active date uploaded - Buyer-11/05/2025 <br>Open-Borrower 1 CPA Letter Missing Missing confirmation of length of borrower's self-employment - Due Diligence Vendor-11/04/2025 |  | Resolved-Received SOS confirming business start date. - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.68%; max permitted 50%.<br>Months Reserves exceed minimum required - 36.32 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6102668 |
| XXXX | XXXX | 9694056 D A C | Closed | finding-3532 | 2025-11-03 10:04 | 2025-11-06 09:57 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-----Received borrower receipt of CD. Finding Resolved. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/05/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/03/2025 |  | Resolved-----Received borrower receipt of CD. Finding Resolved. - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 38.68%; max permitted 50%.<br>Months Reserves exceed minimum required - 36.32 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6097683 |
| XXXX | XXXX | 9956976 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9768906 D A | Closed | FCRE8701 | 2025-11-04 08:01 | 2025-11-12 13:31 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/11/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. The loan file is missing the E.I.N number for the borrower's LLC. A lender review (page 79) requested the document but it is missing from the loan file. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received EIN. - Due Diligence Vendor-11/12/2025<br>| On time mortgage history exceeds guideline requirement - 1x30x12, actual 0x30x58<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score is 700 / Audit fico score is 743. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6111534 |
| XXXX | XXXX | 9768906 D A | Closed | FCRE1152 | 2025-11-04 15:58 | 2025-11-11 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation of tax info cert. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/10/2025 <br>Open-Missing Evidence of Property Tax Tax cert missing from policy - Due Diligence Vendor-11/04/2025 |  | Resolved-Received confirmation of tax info cert. - Due Diligence Vendor-11/11/2025<br>| On time mortgage history exceeds guideline requirement - 1x30x12, actual 0x30x58<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score is 700 / Audit fico score is 743. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6123759 |
| XXXX | XXXX | 9768906 D A | Closed | FCRE7806 | 2025-11-04 16:08 | 2025-11-07 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-After further review, this is not required on a full doc loan. - Due Diligence Vendor-11/07/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing from loan file - Due Diligence Vendor-11/04/2025 |  | Resolved-After further review, this is not required on a full doc loan. - Due Diligence Vendor-11/07/2025<br>| On time mortgage history exceeds guideline requirement - 1x30x12, actual 0x30x58<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum credit score is 700 / Audit fico score is 743. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6123943 |
| XXXX | XXXX | 9895762 C A | Closed | FCRE1193 | 2025-11-10 13:40 | 2025-11-14 14:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received 12 month bank statement, rent is paid through one of the borrowers businesses. Audited DTI of 48.21% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. 12 months of rent payment to XXXX, for $150<br> Also, this is an extra LLC account that was not obtained orignally and used for DTI calculation. - Buyer-11/13/2025 <br> Open-Audited DTI of 50.2% exceeds Guideline DTI of 50% \*New\* lender did not include borrowers primary rent expense. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received 12 month bank statement, rent is paid through one of the borrowers businesses. Audited DTI of 48.21% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Needed 3 mos reserves - have 32.53 mos remaining<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6197512 |
| XXXX | XXXX | 9895762 C A | Closed | FCRE1440 | 2025-11-04 10:23 | 2025-11-14 14:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. 12 months of rent payment to XXXX for $150<br> Also, this is an extra LLC account that was not obtained orignally and used for DTI calculation. - Buyer-11/13/2025 <br> Counter-Lease provided, please provide the 12 month payment history. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-11/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements No Housing History or less than 12 months verified are ineligible unless living rent free with a non-borrowing spouse. Borrower lives with mother. Borrower living rent free with any person other than non-borrowing spouse are not eligible and may only be considered on an exception basis. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received 12 month payment history. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Needed 3 mos reserves - have 32.53 mos remaining<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6114072 |
| XXXX | XXXX | 9860130 C B A | Closed | FCRE8201 | 2025-11-12 11:34 | 2026-01-27 18:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow waiver of attorney opinion letter, Non-material waiver applied with comp factors. non-material due to Excellent credit. - Due Diligence Vendor-01/27/2026 <br>Open-Exception to waive attorney opinion letter - Due Diligence Vendor-11/12/2025 |  | Waived-Originator exception granted to allow waiver of attorney opinion letter, Non-material waiver applied with comp factors. non-material due to Excellent credit. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 Required is 660 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.51 Required is 50 Borrower has 34.51 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6224791 |
| XXXX | XXXX | 9895779 D B A | Closed | FCRE5782 | 2025-11-10 13:02 | 2025-11-17 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/13/2025 <br>Counter-Post closing credit refresh would be considered. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit is not present in file and not on Fraud Report. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 77.58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 779. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6196758 |
| XXXX | XXXX | 9895779 D B A | Closed | FCOM5135 | 2025-11-07 17:15 | 2025-11-07 17:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non material Findings. - Due Diligence Vendor-11/07/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non material Findings. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 77.58 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 779. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 6179767 |
| XXXX | XXXX | 9613761 D A | Closed | FCRE1355 | 2025-11-12 14:09 | 2025-11-26 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received CPA verification. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/24/2025 <br>Open-Borrower 2 CPA Letter Missing CPA license lookup not provided - Due Diligence Vendor-11/12/2025 |  | Resolved-Received CPA verification. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - 25.50 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6227623 |
| XXXX | XXXX | 9613761 D A | Closed | FCRE5782 | 2025-11-13 12:20 | 2025-11-17 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Gap credit for Bwr 1 and 2 - Buyer-11/14/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-11/13/2025 |  | Resolved-Received UDM - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - 25.50 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6240806 |
| XXXX | XXXX | 9613761 D A | Closed | FCRE5783 | 2025-11-13 12:20 | 2025-11-17 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Gap credit for Bwr 1 and 2 - Buyer-11/14/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing from loan file - Due Diligence Vendor-11/13/2025 |  | Resolved-Received UDM - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Months Reserves exceed minimum required - 25.50 months PITIA reserves; 9 months reserves required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6240807 |
| XXXX | XXXX | 9855583 C A | Closed | FCRE1148 | 2025-11-13 11:23 | 2025-11-17 12:40 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see page 5 of prelim showing coverage amount of XXXX,. - Buyer-11/14/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement showing correct loan amount for title coverage - Due Diligence Vendor-11/13/2025 |  | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 808 Required is 720 Borrower has 808<br>Months Reserves exceed minimum required - 20.17 mos reserves; 3 mos required<br>LTV is less than guideline maximum - Required is 85 Borrower has 36.64 Required is 85 Borrower has 36.64 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6239733 |
| XXXX | XXXX | 9846192 C B A | Closed | FCRE2244 | 2025-11-17 08:34 | 2025-11-17 08:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Blanket waiver for XXXX for XXXX, - Due Diligence Vendor-11/17/2025 <br> Open-Property Issues are identified for the property Appraisal completed No XXXX,. All appraisals must be ordered through an XXXX. Appraisals that are not ordered through an XXXX, but are AIR compliant can be accepted with prior investor approval.<br> - Due Diligence Vendor-11/17/2025 |  | Waived-Blanket waiver for XXXX for XXXX - Due Diligence Vendor-11/17/2025 | Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 11.06 months.<br>Long term residence - Borrower has owned primary residence for >20 years. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 6269768 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE7497 | 2025-11-19 16:27 | 2025-11-26 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. VOM for XXXX, uploadrf - Buyer-11/24/2025 <br> Counter-Received B2 3a and 3b PITIA. Please provide B1 3a XXXX,. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. PITIA for property 3a on borrower 1 application, property 3a and 3b on borrower 2 application uploaded - Buyer-11/20/2025 <br> Open-Missing verification of the PITIA for property 3a on borrower 1 application, property 3a and 3b on borrower 2 application. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received PITIA. - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6312177 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE0070 | 2025-11-19 09:48 | 2025-11-26 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. 1008 Transmittal summary uploaded - Buyer-11/20/2025 <br>Open-Missing Approval/Underwriting Summary Missing the lender loan approval. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6303378 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE1198 | 2025-11-19 17:07 | 2025-11-26 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 244.09 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. business assets supporting sufficient reserves and entity docs supporting borrower's ownership of business assets uploaded - Buyer-11/20/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Short funds to close resulting no verified reserves, guidelines require 3 months. - Due Diligence Vendor-11/19/2025 |  | Resolved-Audited Reserves of 244.09 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6313028 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE0112 | 2025-11-19 17:02 | 2025-11-21 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. 1008 Transmittal summary uploaded - Buyer-11/20/2025 <br>Open-Approval/Underwriting Summary Not Provided. Missing the lender loan approval. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6312837 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE1201 | 2025-11-18 22:31 | 2025-11-21 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. 1) OFAC to clear alert on Fraud report<br> 2) fraud Report - Buyer-11/20/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud report. Additional conditions may apply. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6298169 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE6019 | 2025-11-14 15:04 | 2025-11-21 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Perm Res card for both borrowers. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. 1) XXXX<br> 2) XXXX - Buyer-11/20/2025 <br> Open-Borrower Citizenship Documentation Is Missing Borrower 1 is a non-permanent resident alien, borrower 2 is a permanent resident alien. Missing the citizenship documentation for both borrowers. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Perm Res card for both borrowers. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6259082 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE1241 | 2025-11-18 15:52 | 2025-11-21 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Purchase contract and addendums - Seller-11/20/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase contract missing from file. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Purchase contract and addendums - Seller-11/20/2025<br>| Resolved-Received Purchase Contract. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6295196 |
| XXXX | XXXX | 9855577 D A C | Closed | FPRO1136 | 2025-11-18 15:52 | 2025-11-21 14:01 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004d - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. 1004D - Seller-11/20/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraisal was completed subject to a new roof, missing the completion cert to support the roof has been replaced. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. 1004D - Seller-11/20/2025<br>| Resolved-Received 1004d - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6295197 |
| XXXX | XXXX | 9855577 D A C | Closed | FPRO1257 | 2025-11-18 15:52 | 2025-11-21 14:01 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. CDA uploaded - Buyer-11/20/2025 <br>Ready for Review-Document Uploaded. 1004D - Seller-11/20/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing the required appraisal review product required by the guidelines. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. 1004D - Seller-11/20/2025<br>| Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6295198 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE1152 | 2025-11-18 15:19 | 2025-11-21 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax verification. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Tax Certification uploaded - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. IEADS - Buyer-11/20/2025 <br>Open-Missing Evidence of Property Tax Missing evidence of property taxes, escrowed amount from final CD was used to calculate the DTI. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Tax Certification uploaded - Seller-11/20/2025<br>| Resolved-Received Tax verification. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6294259 |
| XXXX | XXXX | 9855577 D A C | Closed | FCRE9501 | 2025-11-19 08:20 | 2025-11-21 13:52 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. business assets supporting sufficient reserves and entity docs supporting borrower's ownership of business assets uploaded - Buyer-11/20/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-109724.07'. Assets are Insufficient. Short funds to close in the amount of $109,724.07. - Due Diligence Vendor-11/19/2025 |  | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Reserves = 244 months – Required Reserves = 3 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6301643 |
| XXXX | XXXX | 9895748 C A | Closed | FCRE1324 | 2025-11-18 08:55 | 2025-11-20 13:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed/dated tax returns. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/19/2025 <br>Open-Borrower 1 Tax Returns Not Signed Missing from loan file - Due Diligence Vendor-11/18/2025 |  | Resolved-Received signed/dated tax returns. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.05<br>LTV is less than guideline maximum - Required is 75 Borrower has 62.5<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6286955 |
| XXXX | XXXX | 9895757 D A | Closed | FCRE1316 | 2025-11-17 08:24 | 2025-12-08 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received verification business is in existence as of XXXX, required per guidelines - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. CPA letter does not have a expiration per guidelines, but provided a current good standing letter - Buyer-12/04/2025 <br> Counter-Received guidelines-CPA letter received is dated XXXX-exceeds 120 days - must meet guideline 5.2.1. Finding remains - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-11/24/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 days of note. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received verification business is in existence as of XXXX, required per guidelines - Due Diligence Vendor-12/08/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.31<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6269675 |
| XXXX | XXXX | 9855565 C B A | Closed | FCRE2244 | 2025-11-19 12:38 | 2025-11-24 14:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client provided a blanket waiver permitting non-XXXX, appraisals, applied to non material finding - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Blanket waiver - Seller-11/20/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-11/20/2025 <br> Open-Property Issues are identified for the property No XXXX, was used for Appraisal #1 (page 129) and Appraisal #2 (page 180). Appraisal must be ordered from one of XXXX approved XXXX,. Additionally, no blanket waiver from XXXX - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Blanket waiver - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/20/2025<br>| Waived-Client provided a blanket waiver permitting non-XXXX, appraisals, applied to non material finding - Due Diligence Vendor-11/24/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 802<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Investor Post-Close | No | 6307464 |
| XXXX | XXXX | 9855565 C B A | Closed | FCRE7009 | 2025-11-19 12:52 | 2025-11-21 13:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received email from insurer 100% replacement to required coverage. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. REPLACEMENT COST - Seller-11/20/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Insufficient coverage - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. REPLACEMENT COST - Seller-11/20/2025<br>| Resolved-Received email from insurer 100% replacement to required coverage. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 802<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6307735 |
| XXXX | XXXX | 9855565 C B A | Closed | FCRE8013 | 2025-11-19 12:38 | 2025-11-21 13:33 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received complete ratified purchase contract with all addendums reflecting final sp. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Requested items needed for funding. - Seller-11/20/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. The loan closed with a purchase price of XXXX,, however, the purchase contract states XXXX (page 668) and the loan file does not contain an addendum decreasing the purchase price. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Requested items needed for funding. - Seller-11/20/2025<br>| Resolved-Received complete ratified purchase contract with all addendums reflecting final sp. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 802<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6307463 |
| XXXX | XXXX | 9855565 C B A | Closed | finding-3634 | 2025-11-19 10:09 | 2025-11-21 10:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE and COC dated XXXX. Finding Resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/20/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $920.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $920 (2nd appraisal fee) . There is a COC in file for increase however, the LE is missing from file. Provide the LE dated within three days of the COC for increase OR evidence of refund to borrower or principal reduction in the amount of $920, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year - Expiration XXXX. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received LE and COC dated XXXX. Finding Resolved. - Due Diligence Vendor-11/21/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 802<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6303903 |
| XXXX | XXXX | 9895755 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9917870 C A | Closed | FCRE0116 | 2025-11-20 13:26 | 2025-12-04 14:34 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received UW attestation. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008 with UW attestation for Condo Project. - Buyer-12/02/2025 <br>Counter-Received HOA Certification-missing UW attestation of condo warranty - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see attached Condo Cert. - Buyer-11/24/2025 <br>Open-Missing Warrantability Documentation. Missing Condo Warrantability Attestation. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received UW attestation. - Due Diligence Vendor-12/04/2025<br>| Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - 12 mos required, borrower has 20 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6329080 |
| XXXX | XXXX | 9917870 C A | Closed | FPRO1257 | 2025-11-20 13:07 | 2025-11-25 13:03 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Attached are the FNM and FRE SSRs with 2.5 score or less - Buyer-11/24/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Secondary valuation not provided. Additional conditions may apply. - Due Diligence Vendor-11/20/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/25/2025<br>| Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - 12 mos required, borrower has 20 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6328698 |
| XXXX | XXXX | 9855592 D A | Closed | FCRE0044 | 2025-12-01 16:57 | 2025-12-04 14:48 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-12/02/2025 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-12/02/2025<br>| Resolved-Received LOE - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.85 |  | 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 | 6436666 |
| XXXX | XXXX | 9855592 D A | Closed | FCRE5782 | 2025-12-01 16:49 | 2025-12-04 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-12/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/02/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.85 |  | 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 | 6436562 |
| XXXX | XXXX | 9855592 D A | Closed | FCRE5783 | 2025-12-01 16:49 | 2025-12-04 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-12/02/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/02/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.85 |  | 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 | 6436563 |
| XXXX | XXXX | 9855592 D A | Closed | FCRE1201 | 2025-12-01 16:50 | 2025-12-04 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/02/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/02/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.85 |  | 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 | 6436581 |
| XXXX | XXXX | 9976794 D A C | Closed | FCRE1161 | 2025-11-20 15:08 | 2025-11-26 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-11/25/2025 <br>Open-Missing Flood Certificate Subject to review and possible requirement of insurance as Appraisal reflects the subject is located in Flood Zone AE.<br> - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-11/25/2025<br>| Resolved-Received Flood Cert - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 789 Required is 700 Borrower has 789<br>LTV is less than guideline maximum - 60% LTV, program allows 75%<br> Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6331070 |
| XXXX | XXXX | 9976794 D A C | Closed | FCRE1164 | 2025-11-24 13:05 | 2025-11-26 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-11/25/2025 <br> Open-Missing Flood Insurance Policy Per Appraisal, subject is located in Special Flood Zone AE. HOA HOI policy XXXX states "Flood limit: XXXX, Building Property." Lender to confirm the flood insurance coverage for building property includes the subject property or if a separate flood insurance policy for the subject unit is required. Additional conditions may apply. - Due Diligence Vendor-11/24/2025 |  | Resolved-Received Flood Insurance - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 789 Required is 700 Borrower has 789<br>LTV is less than guideline maximum - 60% LTV, program allows 75%<br> Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6367627 |
| XXXX | XXXX | 9976794 D A C | Closed | FCRE1181 | 2025-11-24 13:09 | 2025-11-26 12:18 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-11/25/2025 <br>Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Appraisal reflects the subject is located in Flood Zone AE. Lender to confirm if Special Flood Hazard Disclosure was provided/required. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-11/25/2025<br>| Resolved-Received Notice - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 789 Required is 700 Borrower has 789<br>LTV is less than guideline maximum - 60% LTV, program allows 75%<br> Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6367781 |
| XXXX | XXXX | 9976794 D A C | Closed | FPRO1257 | 2025-11-20 15:01 | 2025-11-26 12:13 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-11/25/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing a secondary valuation - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-11/25/2025<br>| Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 789 Required is 700 Borrower has 789<br>LTV is less than guideline maximum - 60% LTV, program allows 75%<br> Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6330949 |
| XXXX | XXXX | 9896346 D A | Closed | FCRE1510 | 2025-11-21 16:35 | 2025-11-24 12:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal provided. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide an updated Exhibit A reflecting the subject property's legal description. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Mortgage with legal provided. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 4.79 months reserves; 0 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6348037 |
| XXXX | XXXX | 9896346 D A | Closed | FCRE0053 | 2025-11-21 17:05 | 2025-11-24 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Rider to the mortgage is not required. - Due Diligence Vendor-11/24/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-11/21/2025 |  | Resolved-Rider to the mortgage is not required. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 4.79 months reserves; 0 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6348490 |
| XXXX | XXXX | 9896340 C A | Closed | FCRE1159 | 2025-11-25 15:34 | 2025-12-03 13:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received email confirming no claims as of Dec 1. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Submitted confirmation from insurance agent stating no claims reported.. Please review and advise. - Seller-12/02/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance Effective Date of XXXX is after the Note and Disbursement Date of XXXX - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Submitted confirmation from insurance agent stating no claims reported.. Please review and advise. - Seller-12/02/2025<br>| Resolved-Received email confirming no claims as of XXXX. - Due Diligence Vendor-12/03/2025 | Months Reserves exceed minimum required - 0 months reserves required - borrower has 20.03 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6389183 |
| XXXX | XXXX | 9896360 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9917875 D A | Closed | FCRE1158 | 2025-11-25 09:02 | 2025-12-03 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Policy includes Full Replacement Cost - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Policy has full replacement cost. - Buyer-12/01/2025 <br>Counter-Received HOI declaration-policy is special limited Coinsurance 80%-missing additional coverage. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/26/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard Insurance Policy does not reflect a dwelling coverage amount. - Due Diligence Vendor-11/26/2025 |  | Resolved-Hazard Policy includes Full Replacement Cost - Due Diligence Vendor-12/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.8 Borrower has 1.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6380331 |
| XXXX | XXXX | 9917875 D A | Closed | FCRE0700 | 2025-11-25 09:04 | 2025-12-01 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-11/26/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Final CD not signed - Due Diligence Vendor-11/26/2025 |  | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-12/01/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.8 Borrower has 1.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6380365 |
| XXXX | XXXX | 9846197 C A | Closed | finding-3634 | 2025-11-25 13:44 | 2025-12-10 08:32 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received borrower letter requesting rush for appraisal. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/09/2025 <br> Counter------Received COC for change in appraisal fee for Rush request. Need Letter or email from borrower requesting the Rush. Finding Remains. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Uploaded supporting documents - Seller-12/03/2025 <br> Counter-----Need letter of borrower's request for Rush Appraisal. -----Zero (0%) tolerance fees increased by $100 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $100.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. \*\*\* The COC in file is not valid without request of rush by the borrower. Finding Remains. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $100 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $100.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. \*\*\* The COC in file is not valid without request of rush by the borrower. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. Uploaded supporting documents - Seller-12/03/2025<br>| Resolved------Received borrower letter requesting rush for appraisal. Finding resolved. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.28 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6387151 |
| XXXX | XXXX | 9846197 C A | Closed | FCRE1510 | 2025-11-25 14:57 | 2025-12-03 12:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage is missing the legal description. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.28 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6388394 |
| XXXX | XXXX | 9846197 C A | Closed | FCRE1148 | 2025-11-25 17:33 | 2025-12-03 12:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title with Title Coverage Amount of XXXX - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/01/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). The loan file does not contain an amendment updating the loan amount on the title policy (page 225). - Due Diligence Vendor-11/25/2025 |  | Resolved-Received updated Title with Title Coverage Amount of XXXX- Due Diligence Vendor-12/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.28 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6391217 |
| XXXX | XXXX | 9846197 C A | Closed | FCRE5790 | 2025-11-25 18:53 | 2025-12-03 12:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Credit Refresh - No new inquiries - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/01/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). A current GAP credit report is missing from the loan file. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/01/2025<br>| Resolved-Received Credit Refresh - No new inquiries - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 71.28 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6391810 |
| XXXX | XXXX | 9976786 C A | Closed | FCRE1193 | 2025-11-26 17:48 | 2025-12-04 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received documentation to support paid through business. Audited DTI of 46.59% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Business is paying the mortgage payment. Excluded payment. / Underwriting Memo with Explanation.<br>- Buyer-12/02/2025 <br>Open-Audited DTI of 78.66% exceeds Guideline DTI of 50% Lender did not include the negative rent for property 3b on the final application. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received documentation to support paid through business. Audited DTI of 46.59% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 744<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6409851 |
| XXXX | XXXX | 9895761 C A | Closed | FCRE1440 | 2025-11-26 10:09 | 2025-12-12 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received wire receipt - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/10/2025 <br> Counter-Bank statements provided reflecting 3 months of payments via wire of $3,750. Please provide evidence that the wires of $3,750 are being paid to the private mortgage lender. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/08/2025 <br> Counter-Not provided, please provide evidence of payment from XXXX through closing. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-12/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Private party VOM provided for subject property. Either bank statements showing account ownership and timely payments debited by Mortgage Servicer OR cancelled checks front and back along with the most recent mortgage statement are required. Additional conditions may apply pending review. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received wire receipt - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Max is 70%, Borrower has 64.99% Required is 70 Borrower has 64.99<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 719 Required is 680 Borrower has 719<br>Qualifying DTI below maximum allowed - Max is 50%, Borrower has 27.83% Required is 50 Borrower has 27.83 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6399575 |
| XXXX | XXXX | 9846219 D A | Closed | FCOM1352 | 2025-11-29 15:10 | 2025-12-03 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/01/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Per guides, DSCR loans require a borrower executed Business Purpose and Occupancy Affidavit. The file contains only an Occupancy Affidavit. - Due Diligence Vendor-11/29/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - 11 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700, Borrower has 769 Required is 700 Borrower has 769 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6422325 |
| XXXX | XXXX | 9895764 C A | Closed | finding-3634 | 2025-11-26 11:48 | 2025-12-15 07:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received LE dated XXXX to match COC. Finding Resolved. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached revised LE dated XXXX. - Seller-12/12/2025 <br> Counter------Received COC XXXX for increase in appraisal fee, timing requirement for subsequent CD is 3 business days. Documentation does not meet timing requirement. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached COC. - Buyer-12/11/2025 <br> Counter-----Total amount of finding was $92.00, $65.00 Appraisal, $2.00 for Credit Report, and $25.00 Appraisal review. The Cure on the final CD is for $67.00, leaving a remainder of $25.00. -----Zero (0%) tolerance fees increased by $25.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Years. Expiration Date is XXXX. Finding Remains. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Please see attached response. - Seller-12/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $92.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $92.00 (Appraisal Fee, Appraisal Review Fee, Flood Certification). Final CD includes $67.00 credit for increase in closing cost above legal limit. Zero (0%) tolerance fees increased by $25.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Years. Expiration Date is XXXX<br> - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached revised LE dated XXXX. - Seller-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached response. - Seller-12/01/2025 | Resolved------Received LE dated XXXX to match COC. Finding Resolved. - Due Diligence Vendor-12/15/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 70.07<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.12 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6402531 |
| XXXX | XXXX | 9855587 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9984637 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9984618 D B A | Closed | FCRE1321 | 2025-12-05 13:17 | 2025-12-05 13:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/05/2025 <br>Open-Exception in file to waive attorney opinion letter - Due Diligence Vendor-12/05/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 791<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.034<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 | FICO 20 points or more above requirement<br> Long term homeownership > 5 yrs |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6507320 |
| XXXX | XXXX | 9984625 C A | Closed | FCRE1510 | 2025-12-01 09:23 | 2025-12-09 15:07 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. enclosed please find the pre payment note addendum and rider to mortgage - Seller-12/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----DOT indicates PPP Rider, but no evidence of PPP Rider in file. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. enclosed please find the pre payment note addendum and rider to mortgage - Seller-12/08/2025<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-12/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.008<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 60 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6427114 |
| XXXX | XXXX | 9984625 C A | Closed | FCRE0008 | 2025-12-01 09:21 | 2025-12-09 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-rule action - false - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. enclosed please find the pre payment note addendum and rider to mortgage - Seller-12/08/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36.0' Diligence value '0'. -----DOT indicates PPP Rider, but no evidence of PPP on Note or HUD Settlement Statement. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. enclosed please find the pre payment note addendum and rider to mortgage - Seller-12/08/2025<br>| Resolved-rule action - false - Due Diligence Vendor-12/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.008<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 60 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6427071 |
| XXXX | XXXX | 9984625 C A | Closed | FCRE1509 | 2025-12-01 09:22 | 2025-12-09 15:06 | 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-12/09/2025 <br>Ready for Review-Document Uploaded. enclosed please find the pre payment note addendum and rider to mortgage - Seller-12/08/2025 <br>Open-There are Issues Present on the Note that must be addressed. -----DOT indicates PPP Rider, but no evidence of PPP on Note or HUD Settlement Statement. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. enclosed please find the pre payment note addendum and rider to mortgage - Seller-12/08/2025<br>| Resolved-There are no issues present on the Note. - Due Diligence Vendor-12/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.008<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 60 Months Required = 12 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6427095 |
| XXXX | XXXX | 9976792 D A | Closed | FCRE1201 | 2025-11-26 18:04 | 2025-12-03 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-OFAC searches in the loan file. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. OFAC against seller attached, all other required ofac searches were provided initially when the full file was uploaded. - Buyer-12/02/2025 <br>Counter-Received comprehensive report for borrower only-missing watchlist verification on all required participants-seller, realtors, closing attorney/escrow agents, title etc. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Fraud Report attached. - Buyer-12/01/2025 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from the loan file. - Due Diligence Vendor-11/26/2025 |  | Resolved-OFAC searches in the loan file. - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Borrower has 4.27 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 720. Borrower's qualifying FICO is 745. Required is 720 Borrower has 745 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6409986 |
| XXXX | XXXX | 9984640 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9984639 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9984620 B A | Closed | FCRE1321 | 2025-12-04 13:51 | 2025-12-04 14:31 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/04/2025 <br>Open-Exception Approved: Missing the attorney opinion letter. Exception in file from Lender. Non-Material in qualifying. - Due Diligence Vendor-12/04/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/04/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.054 Required is 0.8 Borrower has 1.042<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 741 Required is 700 Borrower has 741 | Fico is 20 points or more above (741 score with 700 min)<br> Reserves 12+ months more than required (borrower only has 4.94 months reserves with 3 months required) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6489574 |
| XXXX | XXXX | 9984626 C A | Closed | FCRE1510 | 2025-12-01 09:33 | 2025-12-10 16:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. mortgage with legal attached - Seller-12/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. mortgage with legal attached - Seller-12/08/2025<br>| Resolved-Received Mortgage w/Legal - Due Diligence Vendor-12/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.342 Required is 0.8 Borrower has 1.342<br>LTV is less than guideline maximum - Required is 75 Borrower has 56 Required is 75 Borrower has <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 Required is 700 Borrower has 723 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6427261 |
| XXXX | XXXX | 9984623 C B A | Closed | FCRE1194 | 2025-12-08 20:15 | 2025-12-30 10:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a DSCR below 1, max LTV is 75% above 1. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Enclosed please find the exception from our Investor to go below 1 DSCR - Seller-12/29/2025 <br> Counter-Calculation provide did not include the HOA of $155.83 - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Monthly rent is $2,800<br> P&I is $2,143.23<br> Taxes: $470.33<br> Insurance $91.33<br>PITI is $2,704.89<br> DSCR is 1.04<br> - Seller-12/09/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70%. DSCR <1 - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Enclosed please find the exception from our Investor to go below 1 DSCR - Seller-12/29/2025 <br>Ready for Review-Monthly rent is $2,800<br> P&I is $2,143.23<br> Taxes: $470.33<br> Insurance $91.33<br>PITI is $2,704.89<br> DSCR is 1.04<br> - Seller-12/09/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a DSCR below 1, max LTV is 75% above 1. - Due Diligence Vendor-12/30/2025<br>| Credit history exceeds minimum required - Qualifying FICO score 737; guidelines require 720. <br>Months Reserves exceed minimum required - 71.56 months reserves; 3 months reserves required. | Owned subject since 2018<br> 84 months of reserves<br> fico >20 pts above minimum required.<br> Long term tenant | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6539951 |
| XXXX | XXXX | 9984638 C B A | Closed | FCRE1200 | 2025-12-08 22:56 | 2025-12-11 12:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted for loan amount, waiver applied with reviewed compactors - Non Material Loan amount is XXXX. Minimum is $300,000.00 - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $300000 - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Waived-Client exception granted for loan amount, waiver applied with reviewed compactors - Non Material Loan amount is XXXX. Minimum is $300,000.00 - Due Diligence Vendor-12/11/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.25<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 6541279 |
| XXXX | XXXX | 9976787 D B A | Closed | FCRE0134 | 2025-12-02 17:09 | 2025-12-05 18:35 | Resolved | 1 - Information C A | Credit | Eligibility | Issue with First Payment Letter | Resolved-Corrected FPL received with an LOX from the lender. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-12/05/2025 <br>Open-There is an issue with First Payment Letter. FPL indicates "some" HOI in escrow; however, the final CD does not indicate escrows for HOI - Due Diligence Vendor-12/02/2025 |  | Resolved-Corrected FPL received with an LOX from the lender. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 38.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.37 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6455620 |
| XXXX | XXXX | 9976787 D B A | Closed | FCOM1351 | 2025-12-01 13:37 | 2025-12-04 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. DSCR Personal Guaranty uploaded - Buyer-12/03/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. The loan file is missing the Guaranty Agreement. The loan approval conditioned for the document, however, it is missing from the loan file. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received guaranty agreement. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 38.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.37 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6432245 |
| XXXX | XXXX | 9976787 D B A | Closed | FCRE0104 | 2025-12-02 17:15 | 2025-12-02 17:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client exception granted to allow PPP for LLC in XX, Non-material waiver applied with comp factors. nonmaterial due to Fico 794, LTV 34.44% and 47.59 months reserves - Due Diligence Vendor-12/02/2025 <br> Open-Per XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-12/02/2025 |  | Waived-Client exception granted to allow PPP for LLC in XXXX, Non-material waiver applied with comp factors. nonmaterial due to Fico 794, LTV 34.44% and 47.59 months reserves - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 38.44<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.37 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 6455656 |
| XXXX | XXXX | 9984624 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9984619 D A | Closed | FCRE0700 | 2025-12-04 20:43 | 2025-12-30 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Operating agreement provided confirming ownership in the LLC the funds to close came from. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. our borrower was a 33% owner of the LLC that did the refinance (where funds came from) ... see the enclosed OA that was in our file - Seller-12/29/2025 <br> Counter-Received Settlement statement and letter. Missing requirements to document gift funds. Letter does not indicate gift amount, date, proof of receipt etc. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. please see enclosed LOE and settlement statement from another property where they received funds for our closing - Seller-12/23/2025 <br> Counter-Received final settlement statement. Missing sufficient funds for closing. $194,224.83 required for closing. Review reflects only $25,171.44 verified. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Correct settlement stmt - Seller-12/22/2025 <br> Counter-Received settlement statement for XXXX. Provide for subject. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. settlement stmt - Seller-12/17/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Closing Detail Statement Document is Missing - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. our borrower was a 33% owner of the LLC that did the refinance (where funds came from) ... see the enclosed OA that was in our file - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. please see enclosed LOE and settlement statement from another property where they received funds for our closing - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. Correct settlement stmt - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. settlement stmt - Seller-12/17/2025<br>| Resolved-Operating agreement provided confirming ownership in the LLC the funds to close came from. - Due Diligence Vendor-12/30/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6495399 |
| XXXX | XXXX | 9984616 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9984632 D A | Closed | FCRE8701 | 2025-12-10 09:45 | 2025-12-15 12:04 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN number - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Received Business Entity Documentation. - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.492 Required is 0.8 Borrower has 1.492 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6564887 |
| XXXX | XXXX | 9984632 D A | Closed | FCRE1197 | 2025-12-10 10:24 | 2025-12-12 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received Credit Report. Audited FICO of 738 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-Audited FICO of is less than Guideline FICO of 660 - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Received Credit Report. Audited FICO of 738 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.492 Required is 0.8 Borrower has 1.492 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6565726 |
| XXXX | XXXX | 9984632 D A | Closed | FCRE1198 | 2025-12-10 10:24 | 2025-12-12 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Settlement Statement. Audited Reserves of 48.2 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Cash to close is -382,469.90(cash back at closing -$382,469.90 or 76 months reserves - Seller-12/10/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of month(s) are less than Guideline Required Reserve - Due Diligence Vendor-12/10/2025 | Ready for Review-Cash to close is -382,469.90(cash back at closing -$382,469.90 or 76 months reserves - Seller-12/10/2025<br>| Resolved-Received Settlement Statement. Audited Reserves of 48.2 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.492 Required is 0.8 Borrower has 1.492 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6565727 |
| XXXX | XXXX | 9984632 D A | Closed | FCRE5770 | 2025-12-10 10:14 | 2025-12-12 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.492 Required is 0.8 Borrower has 1.492 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6565540 |
| XXXX | XXXX | 9984632 D A | Closed | FCRE0700 | 2025-12-04 22:08 | 2025-12-12 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement Statement. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Closing Detail Statement Document is Missing - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Received Settlement Statement. - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.492 Required is 0.8 Borrower has 1.492 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6495735 |
| XXXX | XXXX | 9984635 D A | Closed | FCRE8701 | 2025-12-10 11:18 | 2025-12-15 12:06 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing Entity Docs as well as EIN# for business. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received Business Entity Documentation. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 38.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.8 Borrower has 1.763 Required is 0.8 Borrower has 1.763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6567244 |
| XXXX | XXXX | 9984635 D A | Closed | FCRE1182 | 2025-12-10 12:26 | 2025-12-12 14:16 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 38.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.8 Borrower has 1.763 Required is 0.8 Borrower has 1.763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6569783 |
| XXXX | XXXX | 9984635 D A | Closed | FCRE1157 | 2025-12-10 11:42 | 2025-12-12 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Missing Hazard Insurance Policy. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received HOI - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 38.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.8 Borrower has 1.763 Required is 0.8 Borrower has 1.763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6568666 |
| XXXX | XXXX | 9984635 D A | Closed | FCRE1145 | 2025-12-10 11:23 | 2025-12-12 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title Commitment. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Title Document is missing . Additional conditions may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received Title Commitment. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 38.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.8 Borrower has 1.763 Required is 0.8 Borrower has 1.763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6567342 |
| XXXX | XXXX | 9984635 D A | Closed | FCRE1151 | 2025-12-10 11:48 | 2025-12-12 14:09 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Commitment w/Satisfactory Chain of Title - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Missing Chain of Title. Additional conditions may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received Commitment w/Satisfactory Chain of Title - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 38.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.8 Borrower has 1.763 Required is 0.8 Borrower has 1.763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6568802 |
| XXXX | XXXX | 9984635 D A | Closed | FCRE1152 | 2025-12-11 10:11 | 2025-12-12 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Property Tax verification. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received Property Tax verification. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 38.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is 0.8 Borrower has 1.763 Required is 0.8 Borrower has 1.763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6583288 |
| XXXX | XXXX | 9694060 C B A | Closed | FCOM5135 | 2025-12-01 14:32 | 2026-02-20 15:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings - Due Diligence Vendor-12/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings - Due Diligence Vendor-12/01/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 6433531 |
| XXXX | XXXX | 9694060 C B A | Closed | finding-651 | 2025-12-01 17:27 | 2025-12-05 11:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. I believe all the conditions are invalid.<br> The compliance ease has an incorrect figure entered.<br> The prepaid interest is $1,073.65 , however it was entered as $107,365.00 on the compliance report. - Buyer-12/05/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100. ----- This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is XXXX,. The disclosed finance charge of XXXX, is not considered accurate because it is understated by more than $100 at $106,291.35. Provide evidence of refund or principal reduction of $106,291.35, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-12/01/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | 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 | 6437124 |
| XXXX | XXXX | 9694060 C B A | Closed | finding-14 | 2025-12-01 17:27 | 2025-12-05 11:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. I believe all the conditions are invalid.<br> The compliance ease has an incorrect figure entered.<br> The prepaid interest is $1,073.65 , however it was entered as $107,365.00 on the compliance report. - Buyer-12/05/2025 <br> Open-This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))The annual percentage rate (APR) is 8.355%. The disclosed APR of 7.286% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. ----- This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 8.355%. The disclosed APR of 7.286% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Statue of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-12/01/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | 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 | 6437130 |
| XXXX | XXXX | 9694060 C B A | Closed | finding-2504 | 2025-12-01 17:27 | 2025-12-05 11:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. I believe all the conditions are invalid.<br> The compliance ease has an incorrect figure entered.<br> The prepaid interest is $1,073.65 , however it was entered as $107,365.00 on the compliance report. - Seller-12/05/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is XXXX,. The disclosed finance charge of XXXX, is not considered accurate for purposes of rescission because it is understated by more than $35. ----- Finance charge is understated by $106,256.35 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $106,256.35 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. I believe all the conditions are invalid.<br> The compliance ease has an incorrect figure entered.<br> The prepaid interest is $1,073.65 , however it was entered as $107,365.00 on the compliance report. - Seller-12/05/2025<br>| Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | 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 | 6437131 |
| XXXX | XXXX | 9694060 C B A | Closed | finding-3732 | 2025-12-02 08:53 | 2025-12-05 11:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. I believe all the conditions are invalid.<br> The compliance ease has an incorrect figure entered.<br> The prepaid interest is $1,073.65 , however it was entered as $107,365.00 on the compliance report. - Buyer-12/05/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is XXXX,. The disclosed total of payments of XXXX, is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-12/02/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | 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 | 6443411 |
| XXXX | XXXX | 9694060 C B A | Closed | finding-3734 | 2025-12-02 08:53 | 2025-12-05 11:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. I believe all the conditions are invalid.<br> The compliance ease has an incorrect figure entered.<br> The prepaid interest is $1,073.65 , however it was entered as $107,365.00 on the compliance report. - Buyer-12/05/2025 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is XXXX,. The disclosed total of payments charge of XXXX, is not considered accurate for purposes of rescission because it is understated by more than $35. -----Total of payments is understated by $106,291.35 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $106,291.35, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. - Due Diligence Vendor-12/02/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Fee entry correction and re-test shows no issue with finance charge. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 |  | 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 | 6443412 |
| XXXX | XXXX | 9694060 C B A | Closed | FPRO1249 | 2025-12-02 10:44 | 2025-12-03 10:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted to allow over 20 acres, Non-material waiver applied with comp factors. nonmaterial due to Fico 754, LTV 75% and 20.56 months reserves - Due Diligence Vendor-12/03/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception request for property is marked suburban on appraisal, but based on distance of comps to be like the property in whole, it has been deemed Rural in uw. Exception needed for just under 30 acres when 20 is the max for rural properties. Exception approval in loan file - Due Diligence Vendor-12/02/2025 |  | Waived-Client exception granted to allow over 20 acres, Non-material waiver applied with comp factors. nonmaterial due to Fico 754, LTV 75% and 20.56 months reserves - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 | Credit Score: 754<br> DTI: 45<br> Reserves: 12 +<br> Residual Income: 11423<br> LTV: 72 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 6446050 |
| XXXX | XXXX | 9855590 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9895777 D A | Closed | FCOM1352 | 2025-12-02 14:36 | 2025-12-17 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Disclosure - Buyer-12/15/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit is missing. - Due Diligence Vendor-12/02/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6452837 |
| XXXX | XXXX | 9895777 D A | Closed | FCRE1316 | 2025-12-02 15:51 | 2025-12-10 18:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, a VOE is not required for a SE borrower. The articles of incorporation were provided and a cert of good standing. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. VOE - Buyer-12/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE prior to closing. - Due Diligence Vendor-12/03/2025 |  | Resolved-After further review, a VOE is not required for a SE borrower. The articles of incorporation were provided and a cert of good standing. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6454433 |
| XXXX | XXXX | 9895777 D A | Closed | FCRE7497 | 2025-12-03 15:39 | 2025-12-09 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation property is a vacant land, no HOI. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Property is land there is no HOI - Seller-12/08/2025 <br> Open-Missing HOI information for property on XXXX to completed final PITIA - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Property is land there is no HOI - Seller-12/08/2025<br>| Resolved-Received confirmation property is a vacant land, no HOI. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6472640 |
| XXXX | XXXX | 9895777 D A | Closed | FCRE2244 | 2025-12-02 14:54 | 2025-12-08 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received Cert of Occupancy. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Cert of occupancy - Seller-12/05/2025 <br>Open-Property Issues are identified for the property Provide final Cert of Occupancy for property - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Cert of occupancy - Seller-12/05/2025<br>| Resolved-Received Cert of Occupancy. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6453335 |
| XXXX | XXXX | 9895777 D A | Closed | FCRE5790 | 2025-12-02 15:56 | 2025-12-08 10:53 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Upon further not required gap in file. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Loan closed XXXX and drive report was done on XXXX. - Seller-12/05/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Need updated Gap Credit report as it's more than 10 days from closing date. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Loan closed XXXX and drive report was done on XXXX. - Seller-12/05/2025 | Resolved-Upon further not required gap in file. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6454524 |
| XXXX | XXXX | 9855591 D B A | Closed | FCRE0700 | 2025-12-01 13:32 | 2025-12-05 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Closing Detail Statement Document . - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. all pages of settlement stmt - Seller-12/04/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. -----Page 2 of the Settlement Statement is missing. Cash to Close information is not available. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. all pages of settlement stmt - Seller-12/04/2025<br>| Resolved-Received Closing Detail Statement Document . - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.36<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6431887 |
| XXXX | XXXX | 9855591 D B A | Closed | FCRE5782 | 2025-12-03 09:10 | 2025-12-05 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. full credit report from our intial loan submission is dated XXXX - Buyer-12/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/03/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.36<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6461991 |
| XXXX | XXXX | 9855591 D B A | Closed | FCRE1440 | 2025-12-03 17:19 | 2025-12-05 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplemental Report. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. CREDIT SUPPLEMENT SHOWING THE 2 MORTGAGES ON SUBJECT - Buyer-12/04/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing mortgage verification on subject property - Due Diligence Vendor-12/03/2025 |  | Resolved-Received Credit Supplemental Report. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.36<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6474761 |
| XXXX | XXXX | 9855591 D B A | Closed | FCRE2244 | 2025-12-03 09:40 | 2025-12-03 17:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/03/2025 <br>Open-Property Issues are identified for the property Exception for basement kitchen with stove removed and gas line capped. <br> - Due Diligence Vendor-12/03/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 80 Borrower has 73.36<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.86 | FICO 20 points or more above requirement<br> Total Debt 10% or more under requirement<br> Reserves 12+ months more than requirement |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6462536 |
| XXXX | XXXX | 9895758 D B A | Closed | FCRE1440 | 2025-12-02 17:22 | 2025-12-06 16:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow for borrower living rent free with relative - person other than non-borrowing spouse. Non-material waiver applied. - Due Diligence Vendor-12/03/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Exception request for borrower living rent free with relative - person other than non-borrowing spouse - Due Diligence Vendor-12/03/2025 |  | Waived-Client exception granted to allow for borrower living rent free with relative - person other than non-borrowing spouse. Non-material waiver applied. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 5.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Investor Post-Close | No | 6455751 |
| XXXX | XXXX | 9895758 D B A | Closed | FCRE5782 | 2025-12-02 17:22 | 2025-12-05 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A GAP report is missing from the loan file. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 5.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 780 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6455752 |
| XXXX | XXXX | 9855599 D B A | Closed | FCRE1325 | 2025-12-04 11:42 | 2025-12-09 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received verification that the business is in existence, in good standing and active. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Supporting docs uploaded - Seller-12/05/2025 <br>Open-Borrower 1 CPA Letter Missing A 3rd party verification that the business is in existence, in good standing and active is required. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Supporting docs uploaded - Seller-12/05/2025<br>| Resolved-Received verification that the business is in existence, in good standing and active. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.7 |  | 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 | 6485949 |
| XXXX | XXXX | 9855599 D B A | Closed | FCRE1355 | 2025-12-04 11:42 | 2025-12-09 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received verification that the business is in existence, in good standing and active. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Supporting docs uploaded - Seller-12/05/2025 <br>Open-Borrower 2 CPA Letter Missing A 3rd party verification that the business is in existence, in good standing and active is required. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Supporting docs uploaded - Seller-12/05/2025<br>| Resolved-Received verification that the business is in existence, in good standing and active. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.7 |  | 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 | 6485950 |
| XXXX | XXXX | 9855599 D B A | Closed | FCRE1510 | 2025-12-01 14:02 | 2025-12-09 12:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal description. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in mortgage chain - Due Diligence Vendor-12/04/2025 |  | Resolved-Received legal description. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.7 |  | 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 | 6432964 |
| XXXX | XXXX | 9855599 D B A | Closed | FCOM5135 | 2025-12-01 14:09 | 2025-12-01 14:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.7 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 6433126 |
| XXXX | XXXX | 9976790 C B A | Closed | FCRE2244 | 2025-12-03 12:49 | 2025-12-05 12:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client provided a blanket waiver appraisal using no XXXX,, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Blanket Waiver for NO XXXX, Uploaded for review - Buyer-12/04/2025 <br> Open-Property Issues are identified for the property The appraisal report was ordered using no XXXX, (page 452). - Due Diligence Vendor-12/03/2025 |  | Waived-Client provided a blanket waiver appraisal using no XXXX,, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-12/05/2025 | Months Reserves exceed minimum required - 3 months reserves are required and the borrower has over 102 months of reserves verified. <br>LTV is less than guideline maximum - Required is 75 Borrower has 64.5 Required is 75 Borrower has 64.5 | Required is 700 Borrower has 794<br> Required is 75 Borrower has 70<br> quired is 0.8 Borrower has 1.311 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 6468567 |
| XXXX | XXXX | 9984634 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896359 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 9984622 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9917854 D A | Closed | FPRO1256 | 2025-12-05 08:34 | 2026-02-20 11:49 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received complete questionnaire. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/12/2025 <br>Counter-Received Email. Provide completed questionnaire. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/09/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Fairway condo questionnaire - section Project Condition on page 3 needs to be completed. - Due Diligence Vendor-12/05/2025 |  | Resolved-Received complete questionnaire. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6500678 |
| XXXX | XXXX | 9917854 D A | Closed | FCRE1193 | 2025-12-05 11:27 | 2026-01-12 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-BS income calc corrected. The lender used personal returns and no expense factor is needed. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/12/2026 <br>Counter-1003 and 1008 provided. Reviewed DTI - $33,743.69 total combined income, $2,030.84 primary, $9,406.51 REO loss and $5,699.00 Consumer debt. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-01/09/2026 <br>Counter-Audited DTI of 50.78% exceeds Guideline DTI of 50% - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. 1099 for retired pension pay that equals the $4950 per month - Buyer-01/07/2026 <br>Counter-Alternate finding is pending additional income. LOE indicate 'The Pension $4950/month- I will be back in touch on that piece." - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/29/2025 <br>Counter-Received UW narrative on income. Missing validation of primary PITIA. Audit figure is $3,048.88 and differs from final 1003 and 1008. Finding remains - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/23/2025 <br>Open-Audited DTI of 53.8% exceeds Guideline DTI of 50% Need to clarify percent of ownership borrower has in business and utilize this percent to calculate income to qualify.<br> Verify full PITIA for current home as discrepancies in file reflect higher payment versus what is listed on 1003. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/23/2025<br>| Resolved-BS income calc corrected. The lender used personal returns and no expense factor is needed. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6504790 |
| XXXX | XXXX | 9917854 D A | Closed | FCRE1437 | 2025-12-05 10:45 | 2026-01-12 15:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-BS income calc corrected. The lender used personal returns and no expense factor is needed. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/12/2026 <br>Counter-Received updated 1003. All noted income included and DTI is still 50.78%. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/09/2026 <br>Counter-Using the pension income and removing the taxes for the primary the DTI is now 50.78%. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. 1099 for retired pension pay that equals the $4950 per month - Seller-01/07/2026 <br>Counter-Received LOE and CAD. LOE indicate 'The Pension $4950/month- I will be back in touch on that piece." - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-12/29/2025 <br>Counter-Received VA disability and TRS. Missing verification of Pension income of $4950 as no documentation is in file. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/23/2025 <br>Counter-Received Business docs. Borrower percentage of ownership was not noted on documents provided. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/10/2025 <br>Open-Income and Employment Do Not Meet Guidelines UW has uploaded income worksheet. Review lenders worksheet - they have borrower owning 100% of business when there are comments on Scenario request showing borrower is 91% owner of business - Page 909. UW is requesting CPA letter or alternative to verify percent of ownership. With using 91% ownership - income is $20531.33. Final 1003 is also showing additional Pension income of $4950 of which UW could not find as i went thru each page of documents. UW could only find VA income info Page 1263 of $4044.91 and and Pension Page 957 of $4217.45. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. 1099 for retired pension pay that equals the $4950 per month - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-12/29/2025<br>| Resolved-BS income calc corrected. The lender used personal returns and no expense factor is needed. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6503337 |
| XXXX | XXXX | 9917854 D A | Closed | FCRE1507 | 2025-12-05 11:21 | 2026-01-12 15:28 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/12/2026 <br>Counter-Pending DTI resolution. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/09/2026 <br>Counter-Using the pension income and removing the taxes for the primary the DTI is now 50.78%. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. 1099 for retired pension pay that equals the $4950 per month - Seller-01/07/2026 <br>Counter-Received LOE and CAD. LOE indicate 'The Pension $4950/month- I will be back in touch on that piece." - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-12/29/2025 <br>Counter-Pending validation of pension and PITIA on primary. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/23/2025 <br>Open-The Originator QM Status is not the same as the Final QM Status. DTI is not fully verified as we are missing income information for additional Pension and ownership percentage of business. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. 1099 for retired pension pay that equals the $4950 per month - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/23/2025<br>| Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6504125 |
| XXXX | XXXX | 9917854 D A | Closed | FCRE1440 | 2025-12-05 09:38 | 2026-01-12 15:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement confirming Nov payment made. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/17/2025 <br> Counter-Received Bank Statements. Need updated Mtg statement with XXXX, XXXX for XXXX to verify payments paid to XXXX - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need updated Mtg statement with XXXX for XXXX to verify payments paid to XXXX - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/17/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/10/2025<br>| Resolved-Received credit supplement confirming Nov payment made. - Due Diligence Vendor-12/18/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6501959 |
| XXXX | XXXX | 9917854 D A | Closed | FCRE5782 | 2025-12-05 09:38 | 2026-01-12 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report for borrower. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/09/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/11/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6501960 |
| XXXX | XXXX | 9917854 D A | Closed | FCRE1479 | 2025-12-05 10:38 | 2026-01-08 16:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Business account was not used for closing/reserves. - Due Diligence Vendor-12/15/2025 <br>Counter-We need access letter from all parties with ownership in business to use business funds for cash to close/reserves. CPA letter on letterhead with CPA verified license info to address cash to close from business will not negatively impact business if funds are used for closing. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/10/2025 <br>Open-Asset Record 1 Does Not Meet G/L Requirements We need access letter from all parties with ownership in business to use business funds for cash to close/reserves.<br> CPA letter on letterhead with CPA verified license info to address cash to close from business will not negatively impact business if funds are used for closing. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/10/2025<br>| Resolved-Business account was not used for closing/reserves. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6503185 |
| XXXX | XXXX | 9917854 D A | Closed | FCOM1352 | 2025-12-05 08:06 | 2025-12-15 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Not Applicable; not a DSCR program and did not close in an entity. - Due Diligence Vendor-12/15/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose or Occupancy - Due Diligence Vendor-12/05/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Not Applicable; not a DSCR program and did not close in an entity. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - We have 79.74 mos in reserves and only needed 3 mos verified. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6500285 |
| XXXX | XXXX | 9846189 D B A C | Closed | FCRE5790 | 2025-12-05 10:43 | 2025-12-15 16:55 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM with acceptable dates. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/10/2025 <br> Counter-GAP reports provided for the borrowers; however, the latest alerts provided were printed on XXXX, the report stopped on XXXX and the subject closed on XXXX. Provide alert report through the subject closing. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/09/2025 <br> Counter-Borrower details provided only, please provide copy of the alerts. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Over 10 days from note date - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/08/2025<br>| Resolved-Received UDM with acceptable dates. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.21<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6503299 |
| XXXX | XXXX | 9846189 D B A C | Closed | FCRE5791 | 2025-12-05 10:43 | 2025-12-15 16:55 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM with acceptable dates. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/10/2025 <br> Counter-GAP reports provided for the borrowers; however, the latest alerts provided were printed on XXXX, the report stopped on XXXX and the subject closed on XXXX. Provide alert report through the subject closing. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/09/2025 <br> Counter-Borrower details provided only, please provide copy of the alerts. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-12/08/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Over 10 days from note date - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/10/2025<br>| Resolved-Received UDM with acceptable dates. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.21<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6503300 |
| XXXX | XXXX | 9846189 D B A C | Closed | finding-47 | 2025-12-04 11:25 | 2025-12-10 09:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Would the investor please provide their calculation for the ROR? From what I'm seeing, the borrowers signed on XXXX and the loan funded on XXXX. That would mean thatXXXX, XXXX, and XXXX were the 3 days. XXXX is using the same timeline that we are (see below). What are we missing? - Seller-12/09/2025 <br> Counter----Document uploaded is for Condo. -- Provide PCCD with disbursement date after the ROR expiration date. Finding Remains. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Would the investor please provide their calculation for the ROR? From what I'm seeing, the borrowers signed on XXXX and the loan funded on XXXX. That would mean that XXXX, XXXX, and XXXX were the 3 days. The National Notary Association is using the same timeline that we are (see below). What are we missing? - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/08/2025 | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.21<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6485583 |
| XXXX | XXXX | 9846189 D B A C | Closed | FPRO1255 | 2025-12-05 09:57 | 2025-12-09 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received XXXX CPM gave full approval, The HOA Questionnaire not required. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-12/08/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. missing from loan file - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-12/08/2025<br>| Resolved-Received XXXX CPM gave full approval, The HOA Questionnaire not required. - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.21<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6502317 |
| XXXX | XXXX | 9846189 D B A C | Closed | FCOM1124 | 2025-12-04 10:47 | 2025-12-04 12:04 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived------Client waiver applied to non-material Findings. Borrower 1 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-02/20/2026 |  | Waived------Client waiver applied to non-material Findings. Borrower 1 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.21<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.81 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6483831 |
| XXXX | XXXX | 9846189 D B A C | Closed | FCOM1125 | 2025-12-04 10:47 | 2025-12-04 12:04 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived------Client waiver applied to non-material Findings. Borrower 1 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-02/20/2026 |  | Waived------Client waiver applied to non-material Findings. Borrower 1 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.21<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.81 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6483832 |
| XXXX | XXXX | 9984627 D A | Closed | FCRE1198 | 2025-12-12 12:43 | 2025-12-18 16:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final settlement statement confirming sufficient reserves. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Open-Per 1008 and application subject loan is a cash out refinance. Missing final settlement statement or closing statement to confirm funds to Borrower, or provide additional asset statements to meet guideline 3 months reserves requirement. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received final settlement statement confirming sufficient reserves. - Due Diligence Vendor-12/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.325 Required is 0.8 Borrower has 1.325<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6604873 |
| XXXX | XXXX | 9984627 D A | Closed | FCRE0700 | 2025-12-07 19:40 | 2025-12-18 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing final settlement statement or closing statement to confirm funds to Borrower. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received final settlement statement. - Due Diligence Vendor-12/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.325 Required is 0.8 Borrower has 1.325<br>LTV is less than guideline maximum - Required is 75 Borrower has 59.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6521158 |
| XXXX | XXXX | 9976783 D A | Closed | FCRE7497 | 2025-12-08 11:59 | 2025-12-10 17:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification of all properties listed on 1003. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/08/2025 <br>Open-3 additional REO properties with no documentation for taxes and insurance. - Due Diligence Vendor-12/08/2025 |  | Resolved-Received verification of all properties listed on 1003. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 Required is 680 Borrower has 790<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.18 Required is 50 Borrower has 40.77<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6530309 |
| XXXX | XXXX | 9976783 D A | Closed | FCRE0044 | 2025-12-08 11:27 | 2025-12-10 13:14 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/08/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-12/08/2025 |  | Resolved-LOX for credit inquiries was provided. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 Required is 680 Borrower has 790<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.18 Required is 50 Borrower has 40.77<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6529618 |
| XXXX | XXXX | 9976783 D A | Closed | FCRE1241 | 2025-12-08 10:19 | 2025-12-10 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase contract was provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/08/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-12/08/2025 |  | Resolved-Purchase contract was provided. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 Required is 680 Borrower has 790<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.18 Required is 50 Borrower has 40.77<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6527339 |
| XXXX | XXXX | 9984641 D A C | Closed | FCRE1163 | 2025-12-22 10:26 | 2025-12-29 14:07 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Receive flood cert reflecting zone X and matching appraisal. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. there should be no issue with having a flood cert dated post closing - Seller-12/22/2025 <br> Open-Flood Certification Date is greater than XXXX Flood Cert is dated XXXX - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. there should be no issue with having a flood cert dated post closing - Seller-12/22/2025<br>| Resolved-Receive flood cert reflecting zone X and matching appraisal. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6733831 |
| XXXX | XXXX | 9984641 D A C | Closed | FCRE1158 | 2025-12-22 10:26 | 2025-12-29 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received proof of premium. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. insurance showing premium - Seller-12/26/2025 <br> Counter-Received HOI reflecting policy number. Dec is missing premium. Provide revised or invoice to confirm premium amount. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. insurance showing policy # - Seller-12/23/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing policy# or binder# - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. insurance showing premium - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. insurance showing policy # - Seller-12/23/2025<br>| Resolved-Received proof of premium. - Due Diligence Vendor-12/29/2025<br>| Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6733832 |
| XXXX | XXXX | 9984641 D A C | Closed | FCRE5782 | 2025-12-22 11:11 | 2025-12-24 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. gap report - Seller-12/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing GAP CBR is missing - last fraud scored on XXXX unable to use for GAP - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. gap report - Seller-12/22/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6735276 |
| XXXX | XXXX | 9984641 D A C | Closed | FPRO1257 | 2025-12-22 09:56 | 2025-12-24 15:48 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review supporting value. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. CDA - Seller-12/23/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU Score exceeds 2.5, file must include either enhanced desk review, field review or second appraisal report. I did not locate either within the credit index - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. CDA - Seller-12/23/2025<br>| Resolved-Received desk review supporting value. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6733223 |
| XXXX | XXXX | 9984641 D A C | Closed | FCRE1510 | 2025-12-19 15:31 | 2025-12-24 15:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. mortgage including legal - Seller-12/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. mortgage including legal - Seller-12/22/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 Required is 680 Borrower has 710 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6713657 |
| XXXX | XXXX | 9896381 D A | Closed | FCRE7806 | 2025-12-09 13:28 | 2025-12-15 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement worksheet. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Uploaded Updated 1003 mirroring income worksheet. - Seller-12/11/2025 <br>Counter-Received bank statement analysis-income does not mirror final income from final 1003 or loan approval-please clarify and provide complete income calc worksheet. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Uploaded income worksheet - Seller-12/10/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Bank Statement Worksheet - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Uploaded Updated 1003 mirroring income worksheet. - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. Uploaded income worksheet - Seller-12/10/2025<br>| Resolved-Received bank statement worksheet. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6552938 |
| XXXX | XXXX | 9896381 D A | Closed | FCRE5786 | 2025-12-08 18:50 | 2025-12-11 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Received UDM. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. UDN in file reflects monitoring details, reuploaded. - Seller-12/10/2025 <br>Open-Borrower 1 Gap Credit Report is Partially Present. The UDM in the loan file doesn't appear to have any monitoring - only inquiries - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. UDN in file reflects monitoring details, reuploaded. - Seller-12/10/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.38 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6539514 |
| XXXX | XXXX | 9984630 D A | Closed | FCRE1182 | 2025-12-15 12:24 | 2025-12-22 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-12/19/2025 <br>Counter-Provide Approval/Underwriting Summary - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. 1008 - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received 1008. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.361 Required is 0.8 Borrower has 1.361<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793<br>LTV is less than guideline maximum - Required is 80 Borrower has |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6626896 |
| XXXX | XXXX | 9984631 D A | Closed | FCRE8013 | 2026-02-20 12:00 | 2026-02-20 16:33 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review not required. - Due Diligence Vendor-02/20/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. - Due Diligence Vendor-02/20/2026 |  | Resolved-Upon further review not required. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months, qualifying reserves over 40 months <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7724255 |
| XXXX | XXXX | 9984631 D A | Closed | FCRE1241 | 2025-12-15 10:29 | 2026-02-20 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved--Original purchase contract contains seller contribution section. - Due Diligence Vendor-12/22/2025 <br>Counter-Received duplicate purchase contract documents. Missing addendum confirming seller contributions. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Attached is contract - section 12 has the seller contribution - Seller-12/19/2025 <br>Counter-Received purchase contract. Missing seller contribution addendum. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Attached is contract - section 12 has the seller contribution - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved--Original purchase contract contains seller contribution section. - Due Diligence Vendor-12/22/2025<br>| Months Reserves exceed minimum required - Guidelines require 3 months, qualifying reserves over 40 months <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6623084 |
| XXXX | XXXX | 10005721 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9984628 D A | Closed | FCRE1241 | 2025-12-16 10:02 | 2025-12-18 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Purchase Contract. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase contract is missing - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received Purchase Contract. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>Months Reserves exceed minimum required - Qualifying reserves borrower has 32 months, guides require 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6641375 |
| XXXX | XXXX | 9984629 D A | Closed | FCRE1510 | 2025-12-10 12:43 | 2026-02-20 16:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received PPP Rider to Mortgage and Addendum to Note. - Due Diligence Vendor-02/20/2026 <br>Counter-Received PPP Rider to Mortgage and Addendum to Note. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Prepayment rider not found in Mortgage chain. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received PPP Rider to Mortgage and Addendum to Note. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>Months Reserves exceed minimum required - Qualifying reserves is 56 months, guides require 3 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6570157 |
| XXXX | XXXX | 9984629 D A | Closed | FCRE0008 | 2025-12-10 12:38 | 2025-12-18 18:46 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received prepayment rider - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36.0' Diligence value '0'. Tape indicates prepayment penalty, but addendum or rider not attached. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received prepayment rider - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>Months Reserves exceed minimum required - Qualifying reserves is 56 months, guides require 3 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6570055 |
| XXXX | XXXX | 9984629 D A | Closed | FCRE1241 | 2025-12-16 11:11 | 2025-12-18 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received purchase agreement and addendums. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Received purchase agreement and addendums. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Purchase Contract Missing - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received purchase agreement and addendums. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>Months Reserves exceed minimum required - Qualifying reserves is 56 months, guides require 3 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6643270 |
| XXXX | XXXX | 9984629 D A | Closed | FCRE1509 | 2025-12-10 12:38 | 2025-12-18 16:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received PPP Rider to Mortgage and Addendum to Note. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-There are Issues Present on the Note that must be addressed. Tape indicates prepayment penalty, but addendum/rider not attached. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received PPP Rider to Mortgage and Addendum to Note. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>Months Reserves exceed minimum required - Qualifying reserves is 56 months, guides require 3 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6570054 |
| XXXX | XXXX | 9984633 D B A | Closed | FCRE3599 | 2025-12-17 13:09 | 2025-12-22 16:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception, non material with comp factors. Exception for FM exposure over 10 loans/$7.5mm - Due Diligence Vendor-12/22/2025 <br>Open-Originator exception, non material with comp factors. Exception for FM exposure over 10 loans/$7.5mm - Due Diligence Vendor-12/17/2025 |  | Waived-Originator exception, non material with comp factors. Exception for FM exposure over 10 loans/$7.5mm - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.587 Required is 0.8 Borrower has 1.587<br>LTV is less than guideline maximum - Required is 80 Borrower has 68.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 | FICO 20 points or more above requirement, Total Debt 10% or more under requirement, Reserves 12+ months more than requirement, Long Term Employment (>5 years)<br> Minimal Consumer Debt, Reduction in housing/mortgage payment |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6665962 |
| XXXX | XXXX | 9984633 D B A | Closed | FCRE5770 | 2025-12-17 12:46 | 2025-12-18 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-Borrower 1 Credit Report is Missing. The file contains a GAP credit report dated XXXX within is within 10 days of the note date. Missing the origination credit report. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received credit report. - Due Diligence Vendor-12/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.587 Required is 0.8 Borrower has 1.587<br>LTV is less than guideline maximum - Required is 80 Borrower has 68.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6665415 |
| XXXX | XXXX | 10026815 D A | Closed | FCRE1201 | 2025-12-10 08:26 | 2025-12-19 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/18/2025 <br>Counter-Please provide documentation for the Loan officer and warehouse - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/15/2025 <br>Counter-Missing complete Fraud Report and documentation to clear high alerts. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/11/2025 <br>Open-Missing Third Party Fraud Report Missing Fraud document and lender must run OFAC for all parties listed on note. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received fraud report - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 806. Required is 720 Borrower has 806<br>LTV is less than guideline maximum - Required is 75. Borrower has 66.29. Required is 75 Borrower has 66.29 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6563532 |
| XXXX | XXXX | 10026816 C A | Closed | FCRE1206 | 2025-12-10 09:55 | 2025-12-12 11:31 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-12/11/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists All parties that signed/dated Note need to be added to the loan participant list. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 806. Required is 720 Borrower has 806<br>LTV is less than guideline maximum - Required is 75. Borrower has 69.48. Required is 75 Borrower has 69.48 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6565064 |
| XXXX | XXXX | 10026817 C A | Closed | FCRE1206 | 2025-12-10 11:00 | 2025-12-12 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/11/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists All parties that signed/dated Note need to be added to the loan participant list. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 806. Required is 720 Borrower has 806<br>LTV is less than guideline maximum - Required is 75. Borrower has 68.05. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6566688 |
| XXXX | XXXX | 9984617 C A | Closed | FCRE8701 | 2025-12-17 10:59 | 2025-12-22 08:58 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN and Operating Agreement. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Certificate of Status in file for XXXX. File is missing any evidence of the borrower's ownership percentage of the business or the EIN # as required per guidelines. Please provide Articles of Organization, Operating Agreement, or an approved document that confirms the borrower's ownership percentage in the business as well as documentation containing the EIN#. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received EIN and Operating Agreement. - Due Diligence Vendor-12/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.011 Required is 0.8 Borrower has 1.011<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 700 - actual FICO score is 777. Required is 700 Borrower has 777 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6662232 |
| XXXX | XXXX | 9984621 D A | Closed | FCRE0700 | 2025-12-18 16:43 | 2025-12-29 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement statement reflects 2 liens - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. correct settlement stmt - Seller-12/23/2025 <br> Counter-Received Title report and payoff letter. Title reflects two liens. Provide settlement statement reflecting the payment of liens noted on title. Finding remains. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. see page 22 of title report<br>and see payoff letter<br> - Seller-12/19/2025 <br> Open-Seller settlement statement reflects a payment to XXXX, preliminary title does not reflect the lien being paid by the seller at closing. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. correct settlement stmt - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. see page 22 of title report<br>and see payoff letter<br> - Seller-12/19/2025<br>| Resolved-Received Settlement statement reflects 2 liens - Due Diligence Vendor-12/29/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 807 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6693449 |
| XXXX | XXXX | 9984642 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 10005697 D A C | Closed | FCRE6019 | 2025-12-11 17:27 | 2025-12-22 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected final 1003 - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/17/2025 <br> Counter-Corrected 1003 with borrower as non-permanent resident and co-borrower as US citizen; however, the documentation provided reflected the borrower was a Permanent resident. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Corrected 1003 showing borrower 1 as permanent resident and borrower 2 as citizen - Seller-12/16/2025 <br> Counter-Received perm resident alien and extension for B1. Missing correct 1003 reflecting citizenship for B1 and B2. Missing clarification of Perm resident alien card from XXXX but received XXXX Passport for B1. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Supporting Document - Seller-12/16/2025 <br> Counter-Initial 1003 document B1 as US Citizen and B2 as Non Perm Resident. Documents provided appear to indicate B1 is perm resident and unable to determine B2. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Supporting Docs - Seller-12/12/2025 <br> Open-Borrower Citizenship Documentation Is Missing B2 missing acceptable EAD Card. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/17/2025 <br>Ready for Review-Document Uploaded. Corrected 1003 showing borrower 1 as permanent resident and borrower 2 as citizen - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Seller-12/12/2025<br>| Resolved-Received corrected final 1003 - Due Diligence Vendor-12/18/2025<br>| LTV is less than guideline maximum - LTV Required is 85 Borrower has 65 Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 15.16 Required is 50 Borrower has 15.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6594196 |
| XXXX | XXXX | 10005697 D A C | Closed | FCRE1201 | 2025-12-11 10:16 | 2025-12-18 13:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/17/2025 <br>Counter-Received partial Fraud report. Missing proof of OFAC and Watchlist Search for all loan participants as required by guideline. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Fraud Report - Seller-12/12/2025 <br>Open-Missing Third Party Fraud Report All high alerts to be cleared, OFAC checked. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Fraud Report - Seller-12/12/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - LTV Required is 85 Borrower has 65 Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 15.16 Required is 50 Borrower has 15.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6583479 |
| XXXX | XXXX | 10005697 D A C | Closed | FCRE7497 | 2025-12-11 17:41 | 2025-12-17 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA validation. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. HOA - Seller-12/16/2025 <br>Counter-Received property profile and LOE confirming no HO6. Missing HOA for departure residence. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. No HOI per LOE - Seller-12/15/2025 <br>Counter-Received Property Profile. Missing proof of HOI. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Seller-12/12/2025 <br>Open-Missing proof of taxes and insurance on departure residence, audit used amount stated on the 1003. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. HOA - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. No HOI per LOE - Seller-12/15/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Seller-12/12/2025<br>| Resolved-Received HOA validation. - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - LTV Required is 85 Borrower has 65 Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 15.16 Required is 50 Borrower has 15.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6594527 |
| XXXX | XXXX | 10005697 D A C | Closed | FCRE1342 | 2025-12-11 17:35 | 2025-12-15 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received missing Business Bank Statement. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Bank statements including XXXX - Seller-12/12/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing XXXX statement to complete a full 12 months. Income still supported when averaged over 12 months. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Bank statements including March 2025 - Seller-12/12/2025<br>| Resolved-Received missing Business Bank Statement. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - LTV Required is 85 Borrower has 65 Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 15.16 Required is 50 Borrower has 15.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6594472 |
| XXXX | XXXX | 10005697 D A C | Closed | FCRE0070 | 2025-12-11 11:39 | 2025-12-15 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. 1008 - Buyer-12/12/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - LTV Required is 85 Borrower has 65 Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 15.16 Required is 50 Borrower has 15.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6586030 |
| XXXX | XXXX | 10005697 D A C | Closed | FPRO1257 | 2025-12-10 10:38 | 2025-12-15 11:54 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received LCA Score with score of 1 - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Supporting Docs - Seller-12/12/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide additional valuation product to support value. Additional findings may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Supporting Docs - Seller-12/12/2025<br>| Resolved-Received LCA Score with score of 1 - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - LTV Required is 85 Borrower has 65 Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 15.16 Required is 50 Borrower has 15.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 767 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6566111 |
| XXXX | XXXX | 10104168 D A C | Closed | finding-3652 | 2025-12-10 10:20 | 2025-12-17 10:09 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($49.00). 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 $49.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $49.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-12/17/2025 | Qualifying DTI below maximum allowed - DTI is 33.53 and max allowed is 50% Required is 50 Borrower has 33.53<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 680 Required is 680 Borrower has 803 |  | 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 | 6565631 |
| XXXX | XXXX | 10104168 D A C | Closed | FCRE5782 | 2025-12-12 08:03 | 2025-12-15 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Seller-12/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. The Gap Report is required. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/13/2025<br>| Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - DTI is 33.53 and max allowed is 50% Required is 50 Borrower has 33.53<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 680 Required is 680 Borrower has 803 |  | 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 | 6599029 |
| XXXX | XXXX | 10104168 D A C | Closed | FCRE1151 | 2025-12-12 07:22 | 2025-12-15 08:57 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Rescind - Seller-12/13/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing Chain Of Title attached to the Title Commitment. - Due Diligence Vendor-12/12/2025 | Ready for Review-Rescind - Seller-12/13/2025<br>| Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - DTI is 33.53 and max allowed is 50% Required is 50 Borrower has 33.53<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 803 and minimum allowed is 680 Required is 680 Borrower has 803 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6598610 |
| XXXX | XXXX | 9917856 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 9895756 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 10005709 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 10005710 C A | Closed | FCRE1198 | 2025-12-17 14:43 | 2025-12-18 18:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the borrower's primary is a 2 family and the borrower is not a first time investor. - Due Diligence Vendor-12/18/2025 <br>Open-Audited Reserves of 4.24 month(s) are less than Guideline Required Reserves of 12 month(s) Audited Reserves of 4.23 month(s) are less than Guideline Required Reserves of 12 month(s) Due to borrower being a first time investor 12 months reserves are required. Additional findings may apply. - Due Diligence Vendor-12/17/2025 |  | Resolved-After further review, the borrower's primary is a 2 family and the borrower is not a first time investor. - Due Diligence Vendor-12/18/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 64.86<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6668053 |
| XXXX | XXXX | 10026820 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10005703 C A | Closed | FCRE2244 | 2025-12-23 07:13 | 2026-01-13 14:25 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received updated appraisal. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. revised appraisal - Buyer-01/07/2026 <br>Open-Property Issues are identified for the property Appraiser needs to comment on whether this lower floor is legal. Need to confirm if ADU is allowed. Current sq ft is 607 which appears to be illegal. Also only 1 ADU is allowed and it appears the ADU has been split in 2, only one kitchen is allowed. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received updated appraisal. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6756619 |
| XXXX | XXXX | 10005703 C A | Closed | FCRE1510 | 2025-12-23 06:57 | 2026-01-13 14:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT with legal - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. legal with DOT - Buyer-12/23/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received DOT with legal - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6756504 |
| XXXX | XXXX | 10026490 C B A | Closed | FCRE6844 | 2025-12-30 10:31 | 2026-01-02 11:21 | Waived | 2 - Non-Material C B | Credit | Assets | Gift Funds General | Waived-Originator provided a waiver for source of gift funds, applied to non material finding with comp factors - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-12/30/2025 <br> Open-The borrower received XXXX gift funds from an ineligible donor. Per XXXX, a gift can be provided by a relative, defined as the borrower's spouse, child, or other dependent, or by any other individual who is related to the borrower by blood, marriage, adoption, or legal guardianship; or a fiancé, fiancée, or domestic partner. The gift letter reflects that the donor and the borrower share familial connection through XXXX heritage. They are not related by blood, marriage, adoption, or legal guardianship; - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see uploaded exception approval. - Seller-12/30/2025<br>| Waived-Originator provided a waiver for source of gift funds, applied to non material finding with comp factors - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.14 Required is 50 Borrower has 43.14 | Residual Income >$3,000<br> Employment verified >5 years | 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 | Yes | 6852302 |
| XXXX | XXXX | 10005720 D A | Closed | FCRE7497 | 2025-12-24 07:17 | 2026-01-02 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA validation. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. XXXX - PRIMARY RESIDENCE - Buyer-12/30/2025 <br> Open-Missing HOA for recently purchased primary residence. - Due Diligence Vendor-12/24/2025 |  | Resolved-Received HOA validation. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 24.91. Required is 50 Borrower has 24.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 777. Required is 700 Borrower has 777 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6785611 |
| XXXX | XXXX | 10026842 D B A | Closed | FCRE0104 | 2025-12-24 09:49 | 2025-12-30 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding. Prepayment in XXXX to a loan vested in an LLC. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Prepayment Penalty is allowed for this loan. - Buyer-12/30/2025 <br> Open-Prepayment Penalty is not allowed. - Due Diligence Vendor-12/24/2025 |  | Waived-Client waiver applied to non-material finding. Prepayment in XXXX to a loan vested in an LLC. - Due Diligence Vendor-12/30/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.7 Required is 50 Borrower has 3.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 Required is 700 Borrower has 798 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 6787662 |
| XXXX | XXXX | 10026842 D B A | Closed | FCRE7806 | 2025-12-24 09:11 | 2025-12-30 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Bank statement calculation provided. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Bank Statement/Income Calculation. - Buyer-12/30/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-12/24/2025 |  | Resolved-Bank statement calculation provided. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.7 Required is 50 Borrower has 3.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798 Required is 700 Borrower has 798 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6786915 |
| XXXX | XXXX | 10026556 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 9896333 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 10026639 C A | Closed | FCRE0197 | 2026-01-02 13:04 | 2026-01-07 14:40 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller cd. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. uploaded seller CD - Seller-01/06/2026 <br>Open-The Final SELLER CD/HUD is missing. Missing Final Seller CD/HUD. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. uploaded seller CD - Seller-01/06/2026<br>| Resolved-Received final seller cd. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.88 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6898783 |
| XXXX | XXXX | 9895770 D A | Closed | FCRE7497 | 2025-12-24 13:27 | 2026-01-13 10:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Rental income was not used and DTI is within guidelines. - Due Diligence Vendor-01/13/2026 <br>Open-REO 3c - Lease not provided - Due Diligence Vendor-12/24/2025 |  | Resolved-Rental income was not used and DTI is within guidelines. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6793116 |
| XXXX | XXXX | 9895770 D A | Closed | FCRE2244 | 2025-12-30 12:31 | 2026-01-08 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal received with pictures of all bedrooms. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/06/2026 <br>Open-\*\*\* new\*\*\* Property Issues are identified for the property. Unit 2 noted as having 3 bedrooms, missing photos of Bedroom 1. - Due Diligence Vendor-12/30/2025 |  | Resolved-Revised appraisal received with pictures of all bedrooms. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6856856 |
| XXXX | XXXX | 9895770 D A | Closed | FPRO1242 | 2025-12-24 11:18 | 2025-12-30 12:32 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Appraisal - Buyer-12/29/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-12/24/2025 |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6789439 |
| XXXX | XXXX | 9895770 D A | Closed | FCRE5790 | 2025-12-24 13:02 | 2025-12-30 12:14 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap report. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/29/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/24/2025 |  | Resolved-Received Gap report. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 Required is 700 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6792648 |
| XXXX | XXXX | 10005701 C A | Closed | FCRE1148 | 2025-12-24 15:58 | 2026-01-08 14:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. updated title - Buyer-12/31/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). The loan file is missing a supplement updating the title coverage to XXXX. - Due Diligence Vendor-12/24/2025 |  | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-01/02/2026 | LTV is less than guideline maximum - Required is 85. Borrower has 66.83. Required is 85 Borrower has 66.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 769. Required is 680 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 34.51. Required is 50 Borrower has 34.51 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6798819 |
| XXXX | XXXX | 10005701 C A | Closed | FCRE1153 | 2026-01-02 12:41 | 2026-01-08 14:46 | Resolved | 1 - Information C A | Credit | Title | Title Effective Date is greater than Note Date | Resolved-Received revised Short Form. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. title - Buyer-01/07/2026 <br> Open-\*\*NEW \*\*Title Policy date XXXX is greater than Note Date of XXXX. Final CD disbursement is XXXX. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received revised Short Form. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - Required is 85. Borrower has 66.83. Required is 85 Borrower has 66.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 769. Required is 680 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 34.51. Required is 50 Borrower has 34.51 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6897955 |
| XXXX | XXXX | 10005701 C A | Closed | FCRE1510 | 2025-12-24 10:20 | 2025-12-30 11:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. DOT with legal - Buyer-12/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-12/29/2025 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-12/30/2025<br>| LTV is less than guideline maximum - Required is 85. Borrower has 66.83. Required is 85 Borrower has 66.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 769. Required is 680 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 34.51. Required is 50 Borrower has 34.51 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6788176 |
| XXXX | XXXX | 9895745 D B A | Closed | FCRE1355 | 2025-12-29 10:18 | 2026-01-02 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received license validation. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. The preparer is a CTEC so no exception is needed - Buyer-12/31/2025 <br> Counter-Received tax preparer letter. Missing license meeting requirements of A signed written statement from a CPA or a Third-Party Tax Preparer is permitted for verification (excluding PTIN and ASFP tax preparers. PTIN or ASFP preparers that work for a 3rd party firm may be permitted by exception only.) - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. CPA letter - Buyer-12/29/2025 <br> Open-Borrower 2 CPA Letter Missing Missing proof that Borrower 2 has at least 25% ownership of the business. Must verify the borrower's <br> percentage of ownership. Acceptable forms of documentation include a business license, a signed <br> written statement from a CPA or a Third-Party Tax Preparer - Due Diligence Vendor-12/29/2025 |  | Resolved-Received license validation. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.94 Required is 80 Borrower has 62.94<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.73 Required is 50 Borrower has 41.34 |  | 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 | 6831364 |
| XXXX | XXXX | 9895745 D B A | Closed | FCRE7807 | 2025-12-29 08:43 | 2025-12-30 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. Supporting docs - Buyer-12/29/2025 <br>Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Bank Statement worksheet is required for personal and business - Due Diligence Vendor-12/29/2025 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.94 Required is 80 Borrower has 62.94<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.73 Required is 50 Borrower has 41.34 |  | 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 | 6829209 |
| XXXX | XXXX | 9895745 D B A | Closed | FCOM5135 | 2025-12-24 11:54 | 2025-12-24 11:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-12/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.94 Required is 80 Borrower has 62.94<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.73 Required is 50 Borrower has 41.34 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 6791204 |
| XXXX | XXXX | 10085636 C A | Closed | FCRE1204 | 2025-12-29 10:06 | 2026-01-09 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received property profile and mortgage statement confirming borrower is on title only. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Borrower is title only, and tax and insurance are impounded - Buyer-01/08/2026 <br> Counter-Received property profiles confirming no ownership in XXXXand XXXX. Missing confirmation of no ownership in XXXX – purchased XXXX - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. 1) XXXX - the borrower no longer is the owner as it was sold<br> 2) XXXX does not belong to the borrower - Buyer-12/31/2025 <br> Open-Fraud Report Shows Uncleared Alerts Provide documentation that borrower does not own or have liability for the following properties listed on the fraud report: XXXX– borrower purchased XXXX; XXXX – purchased 5XXXX; XXXX – purchased XXXX - Due Diligence Vendor-12/30/2025 |  | Resolved-Received property profile and mortgage statement confirming borrower is on title only. - Due Diligence Vendor-01/09/2026<br>| Months Reserves exceed minimum required - Minimum reserves is 3 months borrower has 49 months. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.78 |  | 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 | 6830997 |
| XXXX | XXXX | 10085636 C A | Closed | FCRE1148 | 2025-12-29 08:21 | 2025-12-31 11:43 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Short Form w/sufficient coverage. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/30/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is missing and less than Total Amount of Subject Lien(s). Additional findings may apply. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received Short Form w/sufficient coverage. - Due Diligence Vendor-12/31/2025<br>| Months Reserves exceed minimum required - Minimum reserves is 3 months borrower has 49 months. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.78 |  | 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 | 6828943 |
| XXXX | XXXX | 10085636 C A | Closed | FCRE1440 | 2025-12-29 12:13 | 2025-12-30 08:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the rent free letter is in the loan file. - Due Diligence Vendor-12/30/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living at present address for 7 months. Previous address borrower had no primary housing history. Missing LOX for rent free for prior address to satisfy 12 month history. In the case the borrower's current primary housing history is less than 12 months, additional payment history from previous mortgage/rent must be supplemented to satisfy full 12 months history. - Due Diligence Vendor-12/29/2025 |  | Resolved-After further review, the rent free letter is in the loan file. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - Minimum reserves is 3 months borrower has 49 months. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.78 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6835994 |
| XXXX | XXXX | 10005702 C A | Closed | FCRE1506 | 2026-01-06 12:37 | 2026-01-09 14:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received documentation HELOC closed. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. This HELOC was tied to a property that was sold and I have attached the sale deed and the closed loan info from XXXX. The account number on the closed HELOC doc matches the credit report. - Seller-01/08/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. XXXX open Heloc reporting on credit XXXX; no evidence showing which property this is attached to, additional findings may apply. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. This HELOC was tied to a property that was sold and I have attached the sale deed and the closed loan info from XXXX. The account number on the closed HELOC doc matches the credit report. - Seller-01/08/2026 | Resolved-Received documentation HELOC closed. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680 Borrower has 734 Required is 680 Borrower has 724<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 74.39 Required is 80 Borrower has 74.39<br>Qualifying DTI below maximum allowed - DTI maximum is 50 Borrower has 33.52 Required is 50 Borrower has 33.52 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6938781 |
| XXXX | XXXX | 10005702 C A | Closed | FCRE1505 | 2025-12-29 12:38 | 2026-01-09 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received confirmation property sold and HELOC closed. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. This HELOC was tied to a property that was sold and I have attached the sale deed and the closed loan info from XXXX. The account number on the closed HELOC doc matches the credit report. - Buyer-01/08/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. XXXX open Heloc reporting on credit XXXX; no evidence showing which property this is attached to, additional findings may apply. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received confirmation property sold and HELOC closed. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680 Borrower has 734 Required is 680 Borrower has 724<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 74.39 Required is 80 Borrower has 74.39<br>Qualifying DTI below maximum allowed - DTI maximum is 50 Borrower has 33.52 Required is 50 Borrower has 33.52 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6836545 |
| XXXX | XXXX | 10005702 C A | Closed | finding-3634 | 2025-12-24 12:24 | 2026-01-08 10:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-01/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $80.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $80.00 Discount Points without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $80.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/24/2025 |  | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 680 Borrower has 734 Required is 680 Borrower has 724<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 74.39 Required is 80 Borrower has 74.39<br>Qualifying DTI below maximum allowed - DTI maximum is 50 Borrower has 33.52 Required is 50 Borrower has 33.52 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6791840 |
| XXXX | XXXX | 10026823 C B A | Closed | FCRE1437 | 2025-12-29 14:27 | 2026-01-09 12:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received business narrative confirming income sources. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. business narative - Buyer-01/08/2026 <br> Counter-Received letter from XXXX confirming business relationship. Borrower to provide business narrative supporting business relationship and further cash advance business receiving income from another entity as income. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. LOE explaining how the deposits from XXXX are all income - Buyer-01/05/2026 <br> Open-Income and Employment Do Not Meet Guidelines Provide proof that deposits from XXXX are business income.<br> Provide proof that assets are in the name of the business or that the account is a business account. <br> Docs provided are incomplete. All transactions needed for bank statements including any withdrawals or NSFs - Due Diligence Vendor-12/29/2025 |  | Resolved-Received business narrative confirming income sources. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6838682 |
| XXXX | XXXX | 10026823 C B A | Closed | FCRE1206 | 2025-12-29 14:37 | 2026-01-06 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties searched. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. fraudguard - Buyer-01/05/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists NB Spouse/Title holder to be added to OFAC and exclusionary list - Due Diligence Vendor-12/29/2025 |  | Resolved-Received updated fraud report reflecting all interested parties searched. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6838862 |
| XXXX | XXXX | 10026823 C B A | Closed | FCRE1317 | 2025-12-29 14:27 | 2025-12-29 16:38 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted to allow less than 2 years S/E, Non-material waiver applied with comp factors. non-material due to DTI of 33.68% and Fico of 786. XXXX exception not needed as borrower in same line of work over 2 years - Due Diligence Vendor-12/29/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Exception request and approval for lender for Borrower is only self employed since XXXX - 17 months. Has been working in the cash advance industry since XXXX. Exception for < 2 years self employment. - Due Diligence Vendor-12/29/2025 |  | Waived-Originator exception granted to allow less than 2 years S/E, Non-material waiver applied with comp factors. non-material due to DTI of 33.68% and Fico of 786. XXXX exception not needed as borrower in same line of work over 2 years - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 33.68 | deposits of $570,000 in the last 12 months which is s/e commissions. <br> Ratios 36/37<br> minimal debt<br> Fico 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6838681 |
| XXXX | XXXX | 9976807 D A C | Closed | FPRO1257 | 2025-12-29 16:37 | 2026-01-06 13:21 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/05/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The Primary Property Value is unsubstantiated. Pending Desk review Additional valuation product is required. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 773 Required is 660 Borrower has 773<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 72.73 Required is 80 Borrower has 72.73 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6841287 |
| XXXX | XXXX | 9976807 D A C | Closed | FCRE5782 | 2025-12-30 14:42 | 2026-01-06 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/05/2026 <br>Counter-Received credit report. Missing credit gap report dated within 10 days of closing or after. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-12/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-01/05/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 773 Required is 660 Borrower has 773<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 72.73 Required is 80 Borrower has 72.73 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6859186 |
| XXXX | XXXX | 9976807 D A C | Closed | FCRE0044 | 2025-12-29 18:27 | 2026-01-02 13:34 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-12/31/2025 <br>Open-LOX for credit inquiries is missing. Additional findings may apply. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-12/31/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO minimum is 660 Borrower has 773 Required is 660 Borrower has 773<br>LTV is less than guideline maximum - LTV maximum is 80 Borrower has 72.73 Required is 80 Borrower has 72.73 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6842805 |
| XXXX | XXXX | 9846227 D B A | Closed | FPRO1256 | 2025-12-30 10:48 | 2026-01-14 15:56 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received budget. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. HOA Questionnaire Doc Partially: please see attachment labeled 'Budget' - Buyer-12/31/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. HOA to provide annual budget in force and verify line item allocated for replacement of reserves (minimum of 8% of the budget). Budget's provided are only for XXXX and must be total for complex. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received budget. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6852971 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE0105 | 2025-12-29 18:48 | 2026-01-13 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received clarification regard project name. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. 1. See response from Underwriting<br> 2. Underwriter response. - Seller-01/06/2026 <br> Counter-Received inspection for XXXX. Missing inspection for XXXX - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. the subject property is a ground floor unit as reflected on the appraisal and it does not have a balcony or guardrails. Additionally the annual reserve budget that was provided for XXXX reflects that funds have been allocated for the maintenance and sealing of the balconies - Seller-01/05/2026 <br> Open-The file does not contain the required structural engineer report per state law. Provide copy of inspection noted on Questionnaire - SB 326 Inspected XXXX. Need to verify the balconies that guardrails do not meet and confirm if it is our subject. (Additional conditions could apply - review required). - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. 1. See response from Underwriting<br> 2. Underwriter response. - Seller-01/06/2026 <br> Ready for Review-Document Uploaded. the subject property is a ground floor unit as reflected on the appraisal and it does not have a balcony or guardrails. Additionally the annual reserve budget that was provided for XXXXreflects that funds have been allocated for the maintenance and sealing of the balconies - Seller-01/05/2026 | Resolved-Received clarification regard project name. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6843049 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE0179 | 2026-01-09 16:05 | 2026-01-13 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. XXXX and XXXX only allow warrantable condos. The UW signed the attached warranty which attests to the project meeting XXXX guidelines. - Seller-01/12/2026 <br> Open-The file is missing UW Attestation and/or documentation clearly stating whether the property is a warrantable or non-warrantable condo. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. XXXX and XXXX only allow warrantable condos. The UW signed the attached warranty which attests to the project meeting XXXX guidelines. - Seller-01/12/2026 | Resolved-Received UW attestation - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 7015506 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE1506 | 2025-12-30 10:51 | 2026-01-12 10:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Invalid Final QM Status - ATR/QM: Status Pending - payment history is attached showing payments made for XXXX. Proof of the payment due on XXXX is not required since the payment is not 30 days late. Please see attachment labeled 'XXXX pymt history1'. - Buyer-12/31/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need housing history for Axos Bk verifying mortgage for investment property from XXXX to XXXX and that payment include full PITI. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received missing credit documentation. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6853050 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE5782 | 2025-12-29 18:25 | 2026-01-12 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM for both borrowers. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Adding the same documents again. The document reflects both borrowers. XXXX and XXXX are now highlighted for your convenience. If you are looking for a diffeferent doc be specific. - Buyer-01/02/2026 <br> Counter-Gap Report for B1 provided, please provide the Gap Report for B2. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Borrower 1 Gap Credit Report is Missing - Buyer-12/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report for both borrowers - Due Diligence Vendor-12/29/2025 |  | Resolved-Received UDM for both borrowers. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6842793 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE1440 | 2025-12-29 19:06 | 2026-01-12 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received missing payment history. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Housing History : payment history is attached showing payments made for XXXX. Proof of the payment due on XXXX is not required since the payment is not 30 days late. Please see attachment labeled 'XXXX pymt history'. - Seller-12/31/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need housing history for XXXX verifying mortgage for investment property from XXXX to XXXX and that payment include full PITI. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Housing History : payment history is attached showing payments made for XXXX. Proof of the payment due on XXXX is not required since the payment is not 30 days late. Please see attachment labeled 'XXXX pymt history'. - Seller-12/31/2025 | Resolved-Received missing payment history. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6843130 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE1480 | 2025-12-29 18:35 | 2026-01-02 13:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received cash flow analysis - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Asset 2: – per section 5.4 of the CORE credit guidelines, a cash flow analysis is acceptable in lieu of a CPA letter. A cash flow analysis was completed using the tax returns. Please see attachment labeled 'Cash Flow Analysis'. - Seller-12/31/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Need CPA letter on letterhead (with CPA business license info provided) addressing that use of business funds for reserves will not negatively impact business as business funds are required for reserves or we would be short reserves. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Asset 2: – per section 5.4 of the CORE credit guidelines, a cash flow analysis is acceptable in lieu of a CPA letter. A cash flow analysis was completed using the tax returns. Please see attachment labeled 'Cash Flow Analysis'. - Seller-12/31/2025<br>| Resolved-Received cash flow analysis - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6842938 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE1325 | 2025-12-30 10:25 | 2026-01-02 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, tax preparer letter not required. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Borrower 1 CPA Letter: per sections 5.1.2 and 5.1.5 of the XXXX credit guidelines, the CPA or tax preparer is not a requirement on full doc reviews, rather it is one of the options for validating the business. We opted to verify the business via the licensing bureau supported by Secretary of State business filing. Please see attachments labeled 'Business Licenses' and 'SoS search – XXXX. - Seller-12/31/2025 <br> Open-Borrower 1 CPA Letter Missing CPA or third party tax preparer letter on letterhead is required for verification of business. They must attest that they have audited the business financial statements or reviewed working papers. CPA or third party tax preparer to sign/date letter - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Borrower 1 CPA Letter: per sections 5.1.2 and 5.1.5 of the XXXX credit guidelines, the CPA or tax preparer is not a requirement on full doc reviews, rather it is one of the options for validating the business. We opted to verify the business via the licensing bureau supported by Secretary of State business filing. Please see attachments labeled 'Business Licenses' and 'SoS search – XXXX. - Seller-12/31/2025 | Resolved-Upon further review, tax preparer letter not required. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6852107 |
| XXXX | XXXX | 9846227 D B A | Closed | FCRE1355 | 2025-12-30 10:25 | 2026-01-02 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Upon further review, tax preparer letter not required. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Borrower 2 CPA Letter: – per sections 5.1.2 and 5.1.5 of the CORE credit guidelines, the CPA or tax preparer is not a requirement on full doc reviews, rather it is one of the options for validating the business. We opted to verify the business via the licensing bureau supported by Secretary of State business filing. Please see attachments labeled 'Business Licenses' and 'SoS search – XXXX - Seller-12/31/2025 <br> Open-Borrower 2 CPA Letter Missing CPA or third party tax preparer letter on letterhead is required for verification of business. They must attest that they have audited the business financial statements or reviewed working papers. CPA or third party tax preparer to sign/date letter - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Borrower 2 CPA Letter: – per sections 5.1.2 and 5.1.5 of the XXXX credit guidelines, the CPA or tax preparer is not a requirement on full doc reviews, rather it is one of the options for validating the business. We opted to verify the business via the licensing bureau supported by Secretary of State business filing. Please see attachments labeled 'Business Licenses' and 'SoS search – XXXX - Seller-12/31/2025 | Resolved-Upon further review, tax preparer letter not required. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | 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 | 6852108 |
| XXXX | XXXX | 9846227 D B A | Closed | FCOM5135 | 2025-12-24 12:02 | 2026-01-02 12:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Rule False DTI is at 45.21% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 6791417 |
| XXXX | XXXX | 9807843 D A | Closed | FCRE1193 | 2026-01-07 12:10 | 2026-01-12 12:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received documentation to support deposits. Audited DTI of 44.31% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. XXXX is a XXXX company, borrower receives income from XXXX that is distributed to his XXXX account, it is then transferred to XXXX, borrower has been receiving funds for over 24 months, only using funds being deposited to XXXX not the full amount borrower receives. 2 months from XXXX shows more than the $12,500 is deposited each month.<br> Borrowers are Real Estate Investors, so deposits vary according to sales price, please see borrowers LOE regarding his company. - Buyer-01/09/2026 <br> Open-Audited DTI of 50.32% exceeds Guideline DTI of 50% \*New\* Missing documentation to support the Deposits into XXXX from the borrowerXXXX account is income. Lender included the income calculation. - Due Diligence Vendor-01/07/2026 |  | Resolved-Received documentation to support deposits. Audited DTI of 44.31% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>LTV is less than guideline maximum - Required is 70 Borrower has 61.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6963349 |
| XXXX | XXXX | 9807843 D A | Closed | FCRE1342 | 2025-12-30 10:07 | 2026-01-12 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received 24 months statements for each account - Due Diligence Vendor-01/07/2026 <br> Counter-24 months statement for XXXX provided, however we are still missing an additional 12 months for XXXX - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Ful Bank statements - Buyer-12/31/2025 <br> Open-Borrower 1 Business Bank Statements Missing The Bank Analysis forms in the loan file show the lender used 24 months bank statements for two accounts. However, there were not 24 months of bank statements for each account in the loan file. For business account ending in XXXX, only 13 statements were in the loan file and for business account ending in XXXX, only 13 statements were in the loan file. The loan file is missing all the bank statements used by the lender on the bank statement income calculation forms. Additional findings may apply once all bank statements are obtained. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received 24 months statements for each account - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>LTV is less than guideline maximum - Required is 70 Borrower has 61.86 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6851518 |
| XXXX | XXXX | 9976808 D A | Closed | FCRE1440 | 2025-12-30 12:02 | 2026-01-08 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received PITIA validation for both primary residences. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-01/02/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Mortgage statements not provided for both primary residences including taxes and insurance. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received PITIA validation for both primary residences. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6856298 |
| XXXX | XXXX | 9976808 D A | Closed | FCRE8701 | 2025-12-30 10:27 | 2026-01-08 13:17 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received operating agreement. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/06/2026 <br>Counter-Received EIN. Missing Operating Agreement. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/02/2026 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Ownership % and EIN not provided - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-01/02/2026<br>| Resolved-Received operating agreement. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6852184 |
| XXXX | XXXX | 9976808 D A | Closed | FCRE1437 | 2025-12-30 11:45 | 2026-01-05 11:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received corrected 1003 and 1008 removing pension income from consideration. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026 <br>Open-Income and Employment Do Not Meet Guidelines B2 Pension income documentation not provided - Due Diligence Vendor-12/30/2025 |  | Resolved-Received corrected 1003 and 1008 removing pension income from consideration. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6855939 |
| XXXX | XXXX | 9976808 D A | Closed | FCRE0116 | 2025-12-30 13:27 | 2026-01-05 11:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Received CPM approval. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Supporting Documents - Seller-01/02/2026 <br> Open-Missing Warrantability Documentation. Missing from loan file. Only XXXX approval printout in loan file - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Supporting Documents - Seller-01/02/2026<br>| Resolved-Received CPM approval. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6857975 |
| XXXX | XXXX | 9976808 D A | Closed | FPRO1255 | 2025-12-30 10:39 | 2026-01-05 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM approval. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-01/02/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing from loan file - Due Diligence Vendor-12/30/2025 |  | Resolved-Received CPM approval. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.56 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6852585 |
| XXXX | XXXX | 10026819 D A | Closed | FCRE0134 | 2025-12-30 12:56 | 2026-01-08 15:30 | Resolved | 1 - Information C A | Credit | Eligibility | Issue with First Payment Letter | Resolved-Received 1st payment Letter. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Corrected FPL - Buyer-01/08/2026 <br> Open-There is an issue with First Payment Letter. P&I payment on the payment letter provided in the file is based on the qualifying payment using a loan amount of XXXX. Ln amt is XXXX - new payment letter is required. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received 1st payment Letter. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.92 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6857375 |
| XXXX | XXXX | 10026819 D A | Closed | FCRE4104 | 2025-12-30 14:36 | 2026-01-08 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Upon further review, deposits appear to be normal for the nature of the business. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Anderson Rebuttal - Buyer-01/08/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Large deposits in the following months over $31,488 must be explained and sourced (verify business related): XXXX. - Due Diligence Vendor-12/30/2025 |  | Resolved-Upon further review, deposits appear to be normal for the nature of the business. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.92 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6859076 |
| XXXX | XXXX | 10026819 D A | Closed | FCRE5782 | 2025-12-30 12:30 | 2026-01-08 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/07/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Supporting Document - Seller-01/07/2026<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.92 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6856817 |
| XXXX | XXXX | 10026819 D A | Closed | FCRE5783 | 2025-12-30 12:30 | 2026-01-08 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/07/2026 <br>Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 808<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.92 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6856818 |
| XXXX | XXXX | 10085645 D A | Closed | FCRE1316 | 2025-12-30 13:39 | 2026-01-09 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Good Standing in another finding. - Due Diligence Vendor-01/09/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Good Standing in another finding. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805 Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - 25.97% DTI is below 50% max |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6858145 |
| XXXX | XXXX | 10085645 D A | Closed | FCRE1325 | 2025-12-30 13:39 | 2026-01-09 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Articles of Organization - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Please see attached for the filing records confirming 100% ownership - Seller-01/07/2026 <br>Counter-Received good standing. Missing confirmation borrower is 100% owner. Provide Operating Agreement. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/02/2026 <br>Open-Borrower 1 CPA Letter Missing A CPA letter verifying the borrower's business is missing from the loan file. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached for the filing records confirming 100% ownership - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Seller-01/02/2026<br>| Resolved-Received Articles of Organization - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805 Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - 25.97% DTI is below 50% max |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6858146 |
| XXXX | XXXX | 10085645 D A | Closed | FCRE1205 | 2025-12-30 14:19 | 2026-01-05 12:31 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026 <br> Open-OFAC Check Not Completed and/or Cleared The borrower's business "XXXX" was not on the participant list or ran through OFAC. - Due Diligence Vendor-12/30/2025 |  | Resolved-Received OFAC clearance. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805 Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - 25.97% DTI is below 50% max |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6858805 |
| XXXX | XXXX | 10085645 D A | Closed | FCRE0104 | 2025-12-30 15:03 | 2026-01-05 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Upon further review, the loan file contained all required prepayment documentation for fixed rate mortgage in XXXX. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. 1. Can you confirm if this is still needed? The property is in XXXX, but the finding was cited for XXXX. <br> 2. If this is still needed, can you please confirm if the updated prepayment documents (just PPP addendum to note & PPP rider) uploaded are sufficient to clear this? Once confirmed, I will reach out to get this signed and completed for you. - Buyer-01/05/2026 <br> Open-Prepayment Penalty is not allowed. XXXX– requires state specific disclosure to be disclosed on the loan agreement (i.e. Note, Note Addendum or prepayment penalty rider). (Disclaimer must be in at least 10-point font and either bold or underlined). The Note, Note Addendum and prepayment penalty rider do not include the required verbiage. - Due Diligence Vendor-12/30/2025 |  | Resolved-Upon further review, the loan file contained all required prepayment documentation for fixed rate mortgage in XXXX. - Due Diligence Vendor-01/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805 Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - 25.97% DTI is below 50% max |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6859531 |
| XXXX | XXXX | 10066008 C A | Closed | FCRE0196 | 2025-12-30 13:59 | 2026-01-07 17:04 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received updated prelim reflecting seller mortgage #6 on schedule B. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Mortgage Lien is item #6, under Requirements on Prelim. - Buyer-01/06/2026 <br>Open-Payoff(s) on the CD/HUD are not reported on Title Report. Seller CD reflects $120,829.82 being paid off, however not reflected on title commitment - Due Diligence Vendor-12/30/2025 |  | Resolved-Received updated prelim reflecting seller mortgage #6 on schedule B. - Due Diligence Vendor-01/07/2026<br>| Verified employment history exceeds guidelines - Same line of work for over 6 years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6858534 |
| XXXX | XXXX | 10005696 C A | Closed | FCRE1440 | 2025-12-30 19:58 | 2026-01-07 15:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property profile confirming free and clear. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Property report shows when property was purchased and no lender. Drive report reflects this information as well - Buyer-01/06/2026 <br>Open-Housing History Does Not Meet Guideline Requirements The borrower's primary residence is owned free & clear. However, the loan file is missing evidence that there is no open liens on the borrower's primary residence. - Due Diligence Vendor-12/31/2025 |  | Resolved-Received property profile confirming free and clear. - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 760<br>LTV is less than guideline maximum - Required is 75 Borrower has 23.53<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.63 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6862909 |
| XXXX | XXXX | 10026441 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 9895753 D A | Closed | FCRE5782 | 2026-01-02 09:47 | 2026-01-07 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. updated credit refresh report - Buyer-01/05/2026 <br>Counter-Received credit refresh dated 12 days prior to Note date. Provide updated credit refresh within 10 days of closing. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Supporting Document - Buyer-01/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing , additional conditions may apply - Due Diligence Vendor-01/02/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - LTV maximum is 70 Borrower has 65 Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI is 50 Borrower has 24.27 Required is 50 Borrower has 24.27 |  | 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 | 6892653 |
| XXXX | XXXX | 9895753 D A | Closed | FCRE1201 | 2025-12-31 15:28 | 2026-01-05 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received third party fraud report. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. drive report - Buyer-01/02/2026 <br>Open-Missing Third Party Fraud Report , additional conditions may apply - Due Diligence Vendor-01/02/2026 |  | Resolved-Received third party fraud report. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - LTV maximum is 70 Borrower has 65 Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - DTI is 50 Borrower has 24.27 Required is 50 Borrower has 24.27 |  | 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 | 6880825 |
| XXXX | XXXX | 10088639 D A | Closed | FCRE1152 | 2026-01-02 14:40 | 2026-01-06 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received XXXX re taxes. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Property Tax Cert - Buyer-01/05/2026 <br> Open-Missing Evidence of Property Tax Missing lender calculation for what was used on the final 1003 for taxes. - Due Diligence Vendor-01/02/2026 |  | Resolved-Received XXXX re taxes. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28 Required is 50 Borrower has 6.55<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6900566 |
| XXXX | XXXX | 10088639 D A | Closed | FCRE1165 | 2026-01-02 11:52 | 2026-01-06 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Received flood insurance policy. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. flood insurance dec page - Buyer-01/05/2026 <br>Open-Flood Insurance Policy Partially Provided declaration page for Flood insurance is missing - Due Diligence Vendor-01/02/2026 |  | Resolved-Received flood insurance policy. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.28 Required is 50 Borrower has 6.55<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6896481 |
| XXXX | XXXX | 10026446 C A | Closed | FCRE9501 | 2026-01-09 12:15 | 2026-01-23 06:44 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Updated transaction histories provided. Large deposit is sourced. The borrower's in the XXXX business and the deposit clearly shows from XXXX. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. Please see uploaded bank statements. - Seller-01/20/2026 <br> Counter-Documented assets - balance in XXXX as of XXXX is $102,504.30 and XXXX as of XXXX is $359.36 for a total assets of $102,863.66. $112,940.29 cash required at close. Finding remains. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Borrower's asset has a total of $118,239 vs. cash to close at $112,940.29 - Seller-01/14/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-10076.63'. Assets are Insufficient. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see uploaded bank statements. - Seller-01/20/2026 <br>Ready for Review-Borrower's asset has a total of $118,239 vs. cash to close at $112,940.29 - Seller-01/14/2026<br>| Resolved-Updated transaction histories provided. Large deposit is sourced. The borrower's in the XXXX and the deposit clearly shows from XXXX - Due Diligence Vendor-01/23/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 |  | 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 | 7010628 |
| XXXX | XXXX | 10026446 C A | Closed | FCRE0080 | 2026-01-08 09:40 | 2026-01-22 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Pre-Foreclosure Sale or Short Sale in past 7 years according to the 1003 declaration | Resolved-The matrix indicates the Foreclosure seasoning is >12 months up to a 70% LTV. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Per XXXX matrix dated 10/28 states > 12 mos - Due Diligence Vendor-01/14/2026 <br> Open-Pre-Foreclosure Sale or Short Sale in past 7 years according to the 1003 declaration. 12 months per guides section 1.5.8. Per "Credit" section of the XXXX matrix, states minimum > 48 months. Lender to clarify. - Due Diligence Vendor-01/09/2026 |  | Resolved-The matrix indicates the Foreclosure seasoning is >12 months up to a 70% LTV. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 |  |  | 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 | 6980969 |
| XXXX | XXXX | 10026446 C A | Closed | FCRE1198 | 2026-01-09 12:26 | 2026-01-15 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the LTV is 70%. Guidelines state no reserves required for LTV's < 75% - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Per Client - per GLs reserves are not required for LTV < 75% - Due Diligence Vendor-01/14/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/09/2026 |  | Resolved-Upon further review, the LTV is 70%. Guidelines state no reserves required for LTV's < 75% - Due Diligence Vendor-01/15/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 |  |  | 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 | 7010904 |
| XXXX | XXXX | 10026446 C A | Closed | finding-3634 | 2026-01-08 10:38 | 2026-01-12 08:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $75.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $75.00 Appraisal Re-Inspection Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $75.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-01/08/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661 |  |  | 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 | 6983910 |
| XXXX | XXXX | 10026834 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 10026642 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 10066015 D B A | Closed | FCRE7497 | 2026-01-08 11:00 | 2026-01-12 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of ins for primary . - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Supporting Documents - Buyer-01/09/2026 <br>Open-The 1003 refelcts $256.25 for TIA on borrower's primary residence. Mortgage statement for this property reflects escrows and LOE reflects no HOA. Provide verification of the $256.25. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received proof of ins for primary . - Due Diligence Vendor-01/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 30.27. Required is 50 Borrower has 30.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 759. Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 85. Borrower has 69.35. Required is 85 Borrower has 69.35 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6984341 |
| XXXX | XXXX | 10066015 D B A | Closed | FCRE8201 | 2026-01-07 13:39 | 2026-01-08 11:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception in file for use of PTIN to confirm borrower's length of employment and business ownership percentage. Non-material with compensating factors. - Due Diligence Vendor-01/13/2026 <br>Open-Lender Exception in file for use of PTIN to confirm borrower's length of employment and business ownership percentage. Non-material with compensating factors. - Due Diligence Vendor-01/08/2026 |  | Waived-Client Exception in file for use of PTIN to confirm borrower's length of employment and business ownership percentage. Non-material with compensating factors. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 30.27. Required is 50 Borrower has 30.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 759. Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 85. Borrower has 69.35. Required is 85 Borrower has 69.35 | Credit Score: 759<br> DTI: 30.29<br> Employment Stability: 8<br> Reserves: 19<br> Residual Income: 13220<br> LTV: 69.51 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 6965632 |
| XXXX | XXXX | 10026833 D A | Closed | FCRE1293 | 2026-01-08 13:59 | 2026-01-12 11:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-CD provided for property that closed XXXX. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. XXXX closed in XXXX- Buyer-01/09/2026 <br> Open-Income 2 Months Income Verified is Missing Provide most recent mortgage statement for the Rental property XXXX, XXXX. - Due Diligence Vendor-01/09/2026 |  | Resolved-CD provided for property that closed XXXX. - Due Diligence Vendor-01/12/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 57.64<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.88 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6990825 |
| XXXX | XXXX | 10026833 D A | Closed | FCOM1352 | 2026-01-08 12:12 | 2026-01-12 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Occupancy cert. required for non-DSCR loans was provided. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. enclosed occupany cert is sufficient as it says the same as a business purpose doc - Buyer-01/09/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit is required and is missing. Verify that Lender allows an Occupancy Cert instead of a Business Purpose Affidavit on No DSCR Loans. - Due Diligence Vendor-01/09/2026 |  | Resolved-Occupancy cert. required for non-DSCR loans was provided. - Due Diligence Vendor-01/12/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 57.64<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.88 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6988335 |
| XXXX | XXXX | 10110783 C A | Closed | FCOM9998 | 2026-02-05 09:47 | 2026-02-06 11:37 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. HI please see attached for final ss and final PCCD :) thank u - Seller-02/06/2026 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. HI please see attached for final ss and final PCCD :) thank u - Seller-02/06/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/06/2026<br>| LTV is less than guideline maximum - LTV 79.99% max 90% LTV. Required is 90 Borrower has 79.99<br>Qualifying DTI below maximum allowed - DTI 31.92 max 50%. Required is 50 Borrower has 31.92<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 620. Required is 620 Borrower has 776 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7462432 |
| XXXX | XXXX | 10110762 C B A | Closed | FCOM1353 | 2026-02-09 11:18 | 2026-02-20 14:35 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/09/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93<br>LTV is less than guideline maximum - Required is 75 Borrower has 62.31 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7517077 |
| XXXX | XXXX | 10110762 C B A | Closed | FCRE0180 | 2026-02-10 15:59 | 2026-02-13 09:22 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, the loan file contained all required documentation. Notary is considered 1 witness. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-State of XXXX do not require witnesses but must be acknowledged to be recorded for mortgages. - Seller-02/11/2026 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Missing one (1) witness signature - Due Diligence Vendor-02/10/2026 | Ready for Review-State of XXXX do not require witnesses but must be acknowledged to be recorded for mortgages. - Seller-02/11/2026 | Resolved-Upon further review, the loan file contained all required documentation. Notary is considered 1 witness. - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93<br>LTV is less than guideline maximum - Required is 75 Borrower has 62.31 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7545117 |
| XXXX | XXXX | 10110769 B A | Closed | FCOM1353 | 2026-02-06 10:50 | 2026-02-06 10:50 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/06/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.54 Required is 50 Borrower has 38.54 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7489316 |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 2 - Rating Agency Grades Summary Report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 9091824 | XXXX A |
| XXXX | XXXX | 9119047 | XXXX D A |
| XXXX | XXXX | 9111460 | XXXX D A |
| XXXX | XXXX | 9119025 | XXXX C A |
| XXXX | XXXX | 9100941 | XXXX D A |
| XXXX | XXXX | 9081735 | XXXX D A |
| XXXX | XXXX | 9125130 | XXXX C A |
| XXXX | XXXX | 9146954 | XXXX C A |
| XXXX | XXXX | 9146955 | XXXX C A |
| XXXX | XXXX | 9119063 | XXXX D A |
| XXXX | XXXX | 9156986 | XXXX A |
| XXXX | XXXX | 9156956 | XXXX D A |
| XXXX | XXXX | 9190374 | XXXX D B A |
| XXXX | XXXX | 9201282 | XXXX D A B |
| XXXX | XXXX | 9226539 | XXXX D A B |
| XXXX | XXXX | 9956963 | XXXX C A |
| XXXX | XXXX | 9197010 | XXXX D B A |
| XXXX | XXXX | 9956964 | XXXX A C B |
| XXXX | XXXX | 9239910 | XXXX D A |
| XXXX | XXXX | 9956965 | XXXX A |
| XXXX | XXXX | 9956966 | XXXX D A |
| XXXX | XXXX | 9243480 | XXXX D A |
| XXXX | XXXX | 9248259 | XXXX D A |
| XXXX | XXXX | 9356681 | XXXX D A |
| XXXX | XXXX | 9956969 | XXXX D A |
| XXXX | XXXX | 9502794 | XXXX D C A B |
| XXXX | XXXX | 9857715 | XXXX A |
| XXXX | XXXX | 9502872 | XXXX D A |
| XXXX | XXXX | 9248234 | XXXX C A |
| XXXX | XXXX | 9502867 | XXXX C A B |
| XXXX | XXXX | 9956967 | XXXX A C B |
| XXXX | XXXX | 9365895 | XXXX D A |
| XXXX | XXXX | 9502871 | XXXX A |
| XXXX | XXXX | 9857648 | XXXX C A |
| XXXX | XXXX | 9857649 | XXXX A |
| XXXX | XXXX | 9502114 | XXXX D A |
| XXXX | XXXX | 9555120 | XXXX D A |
| XXXX | XXXX | 9613756 | XXXX A |
| XXXX | XXXX | 9857411 | XXXX A |
| XXXX | XXXX | 9303134 | XXXX A |
| XXXX | XXXX | 9857559 | XXXX A |
| XXXX | XXXX | 9502140 | XXXX D A B |
| XXXX | XXXX | 10024830 | XXXX D A |
| XXXX | XXXX | 9555123 | XXXX A |
| XXXX | XXXX | 9613762 | XXXX D A C |
| XXXX | XXXX | 9555122 | XXXX D A B |
| XXXX | XXXX | 9956975 | XXXX A |
| XXXX | XXXX | 9956974 | XXXX A |
| XXXX | XXXX | 9768913 | XXXX A |
| XXXX | XXXX | 9857519 | XXXX D A B |
| XXXX | XXXX | 9613787 | XXXX D A |
| XXXX | XXXX | 9956977 | XXXX D A B |
| XXXX | XXXX | 9613767 | XXXX D A |
| XXXX | XXXX | 9694048 | XXXX D B A |
| XXXX | XXXX | 9694050 | XXXX D A B |
| XXXX | XXXX | 9555111 | XXXX C A B |
| XXXX | XXXX | 9857484 | XXXX D A |
| XXXX | XXXX | 9694022 | XXXX C A |
| XXXX | XXXX | 9846196 | XXXX D A |
| XXXX | XXXX | 9846208 | XXXX D A |
| XXXX | XXXX | 9855585 | XXXX C A B |
| XXXX | XXXX | 9846190 | XXXX A B |
| XXXX | XXXX | 9956978 | XXXX A |
| XXXX | XXXX | 9768926 | XXXX D A B |
| XXXX | XXXX | 9613782 | XXXX D A |
| XXXX | XXXX | 9846202 | XXXX A |
| XXXX | XXXX | 9694056 | XXXX D C A |
| XXXX | XXXX | 9956976 | XXXX A |
| XXXX | XXXX | 9768906 | XXXX D A |
| XXXX | XXXX | 9895762 | XXXX C A |
| XXXX | XXXX | 9860130 | XXXX C A B |
| XXXX | XXXX | 9895779 | XXXX D B A |
| XXXX | XXXX | 9613761 | XXXX D A |
| XXXX | XXXX | 9855583 | XXXX C A |
| XXXX | XXXX | 9846192 | XXXX C A B |
| XXXX | XXXX | 9855577 | XXXX D A C |
| XXXX | XXXX | 9895748 | XXXX C A |
| XXXX | XXXX | 9895757 | XXXX D A |
| XXXX | XXXX | 9855565 | XXXX C A B |
| XXXX | XXXX | 9895755 | XXXX A |
| XXXX | XXXX | 9917870 | XXXX C A |
| XXXX | XXXX | 9855592 | XXXX D A |
| XXXX | XXXX | 9976794 | XXXX D A C |
| XXXX | XXXX | 9896346 | XXXX D A |
| XXXX | XXXX | 9896340 | XXXX C A |
| XXXX | XXXX | 9896360 | XXXX A |
| XXXX | XXXX | 9917875 | XXXX D A |
| XXXX | XXXX | 9846197 | XXXX C A |
| XXXX | XXXX | 9976786 | XXXX C A |
| XXXX | XXXX | 9895761 | XXXX C A |
| XXXX | XXXX | 9846219 | XXXX D A |
| XXXX | XXXX | 9895764 | XXXX A C |
| XXXX | XXXX | 9855587 | XXXX A |
| XXXX | XXXX | 9984637 | XXXX A |
| XXXX | XXXX | 9984618 | XXXX D A B |
| XXXX | XXXX | 9984625 | XXXX C A |
| XXXX | XXXX | 9976792 | XXXX D A |
| XXXX | XXXX | 9984640 | XXXX A |
| XXXX | XXXX | 9984639 | XXXX A |
| XXXX | XXXX | 9984620 | XXXX B A |
| XXXX | XXXX | 9984626 | XXXX C A |
| XXXX | XXXX | 9984623 | XXXX C A B |
| XXXX | XXXX | 9984638 | XXXX C A B |
| XXXX | XXXX | 9976787 | XXXX D A B |
| XXXX | XXXX | 9984624 | XXXX A |
| XXXX | XXXX | 9984619 | XXXX D A |
| XXXX | XXXX | 9984616 | XXXX A |
| XXXX | XXXX | 9984632 | XXXX D A |
| XXXX | XXXX | 9984635 | XXXX D A |
| XXXX | XXXX | 9694060 | XXXX C A B |
| XXXX | XXXX | 9855590 | XXXX A |
| XXXX | XXXX | 9895777 | XXXX D A |
| XXXX | XXXX | 9855591 | XXXX D A B |
| XXXX | XXXX | 9895758 | XXXX D A B |
| XXXX | XXXX | 9855599 | XXXX D B A |
| XXXX | XXXX | 9976790 | XXXX C A B |
| XXXX | XXXX | 9984634 | XXXX A |
| XXXX | XXXX | 9896359 | XXXX A |
| XXXX | XXXX | 9984622 | XXXX A |
| XXXX | XXXX | 9917854 | XXXX D A |
| XXXX | XXXX | 9846189 | XXXX D C A B |
| XXXX | XXXX | 9984627 | XXXX D A |
| XXXX | XXXX | 9976783 | XXXX D A |
| XXXX | XXXX | 9984641 | XXXX D A C |
| XXXX | XXXX | 9896381 | XXXX D A |
| XXXX | XXXX | 9984630 | XXXX D A |
| XXXX | XXXX | 9984631 | XXXX D A |
| XXXX | XXXX | 10005721 | XXXX A |
| XXXX | XXXX | 9984628 | XXXX D A |
| XXXX | XXXX | 9984629 | XXXX D A |
| XXXX | XXXX | 9984633 | XXXX D A B |
| XXXX | XXXX | 10026815 | XXXX D A |
| XXXX | XXXX | 10026816 | XXXX C A |
| XXXX | XXXX | 10026817 | XXXX C A |
| XXXX | XXXX | 9984617 | XXXX C A |
| XXXX | XXXX | 9984621 | XXXX D A |
| XXXX | XXXX | 9984642 | XXXX A |
| XXXX | XXXX | 10005697 | XXXX D A C |
| XXXX | XXXX | 10104168 | XXXX D C A |
| XXXX | XXXX | 9917856 | XXXX A |
| XXXX | XXXX | 9895756 | XXXX A |
| XXXX | XXXX | 10005709 | XXXX A |
| XXXX | XXXX | 10005710 | XXXX C A |
| XXXX | XXXX | 10026820 | XXXX A |
| XXXX | XXXX | 10005703 | XXXX C A |
| XXXX | XXXX | 10026490 | XXXX C A B |
| XXXX | XXXX | 10005720 | XXXX D A |
| XXXX | XXXX | 10026842 | XXXX D A B |
| XXXX | XXXX | 10026556 | XXXX A |
| XXXX | XXXX | 9896333 | XXXX A |
| XXXX | XXXX | 10026639 | XXXX C A |
| XXXX | XXXX | 9895770 | XXXX D A |
| XXXX | XXXX | 10005701 | XXXX C A |
| XXXX | XXXX | 9895745 | XXXX D B A |
| XXXX | XXXX | 10085636 | XXXX C A |
| XXXX | XXXX | 10005702 | XXXX C A |
| XXXX | XXXX | 10026823 | XXXX C A B |
| XXXX | XXXX | 9976807 | XXXX D A C |
| XXXX | XXXX | 9846227 | XXXX D B A |
| XXXX | XXXX | 9807843 | XXXX D A |
| XXXX | XXXX | 9976808 | XXXX D A |
| XXXX | XXXX | 10026819 | XXXX D A |
| XXXX | XXXX | 10085645 | XXXX D A |
| XXXX | XXXX | 10066008 | XXXX C A |
| XXXX | XXXX | 10005696 | XXXX C A |
| XXXX | XXXX | 10026441 | XXXX A |
| XXXX | XXXX | 9895753 | XXXX D A |
| XXXX | XXXX | 10088639 | XXXX D A |
| XXXX | XXXX | 10026446 | XXXX C A |
| XXXX | XXXX | 10026834 | XXXX A |
| XXXX | XXXX | 10026642 | XXXX A |
| XXXX | XXXX | 10066015 | XXXX D A B |
| XXXX | XXXX | 10026833 | XXXX D A |
| XXXX | XXXX | 10110783 | XXXX A C |
| XXXX | XXXX | 10110762 | XXXX C B A |
| XXXX | XXXX | 10110769 | XXXX A B |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 3 - Data Compare Report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 9091824 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.276 | 0.96 | Market rent/PITI. Lender used stated lower rent on 1003 instead of market rent on 1007. |
| XXXX | XXXX | 9119047 | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 9119047 | XXXX | Qualifying FICO | creditLiabilitiesPage | 756 | 770 | Per credit |
| XXXX | XXXX | 9081735 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9081735 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.351 | 1.38 | Matches lender DSCR calc |
| XXXX | XXXX | 9146954 | XXXX | Qualifying FICO | creditLiabilitiesPage | 724 | 727 | Per Credit Report. |
| XXXX | XXXX | 9146955 | XXXX | Qualifying FICO | creditLiabilitiesPage | 724 | 727 | Per Credit Report. |
| XXXX | XXXX | 9119063 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9119063 | XXXX | Qualifying LTV | propertyValuationPage | 76.25 | 77.05 | per 1008 |
| XXXX | XXXX | 9119063 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.999 | 1.09 | Audit matches with Lender Calculation |
| XXXX | XXXX | 9156956 | XXXX | Qualifying LTV | propertyValuationPage | 78.53 | 80.00 | Per 1008. |
| XXXX | XXXX | 9156956 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.82 | 42.72 | Lender include REO pmt on loan that has not closed. |
| XXXX | XXXX | 9190374 | XXXX | Originator Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Mo Full Documentation | Per 1008, and Bank Statement Income Calc in file, as well as Bank Statements. |
| XXXX | XXXX | 9190374 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | Full | Per 1008, and Bank Statement Income Calc in file, as well as Bank Statements. |
| XXXX | XXXX | 9226539 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9226539 | XXXX | Interest Rate | notePage | 7.75 | 7.8750 | Per Note |
| XXXX | XXXX | 9226539 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9226539 | XXXX | Qualifying LTV | propertyValuationPage | 70 | 75.00 | Audit in line with 1008 |
| XXXX | XXXX | 9226539 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.198 | 1.124 | Audit calculated slightly lower HOA fee |
| XXXX | XXXX | 9197010 | XXXX | Lender Name | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 9197010 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.77 | 20.83 | Audit included 1% of the unpaid balances for student loans |
| XXXX | XXXX | 9239910 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9243480 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.091 | 1.08 | Reviewed value is the same as the lenders calculation. |
| XXXX | XXXX | 9356681 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9356681 | XXXX | Property Type | propertyValuationPage | PUD | Two to Four Unit | per appraisal report |
| XXXX | XXXX | 9502794 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Townhome per appraisal. |
| XXXX | XXXX | 9502794 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | ATR/QM: Exempt | Subj is a primary residence |
| XXXX | XXXX | 9857715 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9857715 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9502872 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | QM: Rebuttable Presumption (APOR) | ATR/QM: Exempt | Subject is a primary residence |
| XXXX | XXXX | 9502867 | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | Per Revised LE |
| XXXX | XXXX | 9365895 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9365895 | XXXX | Qualifying LTV | propertyValuationPage | 69.75 | 70.00 | Loan Amount/Appraised Value. |
| XXXX | XXXX | 9365895 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.02 | 39.65 | Audit matches lenders calculations |
| XXXX | XXXX | 9502871 | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | Per Revised LE and Loan Detail Report |
| XXXX | XXXX | 9502871 | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Subj is primary residence |
| XXXX | XXXX | 9613756 | XXXX | Interest Rate | notePage | 7.5 | 7.4900 | Per Note. |
| XXXX | XXXX | 9613756 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.843 | 0.8 | per DSCR Calc provided. Lender did not factor Taxes and Insurance into ratio. |
| XXXX | XXXX | 9857411 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | no other liens |
| XXXX | XXXX | 9303134 | XXXX | Qualifying FICO | creditLiabilitiesPage | 714 | 700 | Per credit report |
| XXXX | XXXX | 9303134 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.345 | 1 | DSCR worksheet matches with audit |
| XXXX | XXXX | 9857559 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Per 1003 |
| XXXX | XXXX | 9555123 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9555123 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.1 | 38.58 | Audit DTI within 2% of Lender DTI on 1008 |
| XXXX | XXXX | 9613762 | XXXX | Originator Doc Type | employmentIncomePage | 1YR Full Doc | 24 Mo Full Documentation | Only 1 year income documentation provided |
| XXXX | XXXX | 9555122 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.74 | 44.08 | Audit match the 1008 |
| XXXX | XXXX | 9956974 | XXXX | Monthly Hazard Insurance Premium | propertyInsurancePage | 148.25 | XXXX | Borrower has 3 HOI policies for the subject property. |
| XXXX | XXXX | 9857519 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 9857519 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per 1003 |
| XXXX | XXXX | 9694050 | XXXX | Note Date | notePage | XXXX | XXXX | Per Notary date on mortgage |
| XXXX | XXXX | 9555111 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9555111 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.31 | 33.28 | Audit had lower consumer debt |
| XXXX | XXXX | 9846196 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9855585 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.93 | 1 | Lender did not include monthly flood insurance |
| XXXX | XXXX | 9768926 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per CD no cash back to borrower |
| XXXX | XXXX | 9768926 | XXXX | Originator Doc Type | employmentIncomePage | 12 Month Bank Statement | 24 Mo Full Documentation | only 12 months provided |
| XXXX | XXXX | 9768926 | XXXX | Qualifying FICO | creditLiabilitiesPage | 742 | 728 | per credit report |
| XXXX | XXXX | 9895779 | XXXX | Qualifying LTV | propertyValuationPage | 61.29 | 62.00 | Loan Amount/Purchase Price |
| XXXX | XXXX | 9613761 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | XXXX | 9855583 | XXXX | Originator Doc Type | employmentIncomePage | 2YR Full Doc | 12 Mo Full Documentation | Lender calc for income is for 2 years |
| XXXX | XXXX | 9846192 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.033 | 1 | Audit matches Lender DSCR exactly. |
| XXXX | XXXX | 9855577 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.65 | 12.41 | Primary residence PITIA calculation |
| XXXX | XXXX | 9895748 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.05 | 34.54 | Variance due to lender calculated subject and primary monthly mortgage payments incorrectly on the 1008. |
| XXXX | XXXX | 9855565 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.11 | 27.61 | Audit DTI ratio matches the lender's DTI ratio on the final 1008 in the loan file. |
| XXXX | XXXX | 9917870 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.185 | 1 | Audit DSCR "market rent/PITIA" and matches lender's DSCR Calc. |
| XXXX | XXXX | 9855592 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per executed note in file |
| XXXX | XXXX | 9976794 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.09 | 1.4 | Audit calculated DSCR using the max of 'lease x120%' per guides: |
| XXXX | XXXX | 9896346 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 4.79 | 67.00 | Per bank statements |
| XXXX | XXXX | 9896346 | XXXX | Total Qualified Assets Available For Reserves | assetPage | 97287.02 | 96559.16 | Per bank statements |
| XXXX | XXXX | 9896340 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | XXXX | 9896360 | XXXX | Total Qualifying Income | employmentIncomePage | 45109.58 | 45670.27 | Lender used positive rental income for the subject. Actually rental loss |
| XXXX | XXXX | 9896360 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | 45109.58 | 45670.27 | lender used positive rental income for subject. |
| XXXX | XXXX | 9896360 | XXXX | Total Qualified Assets Available For Reserves | assetPage | 1628166.53 | 1378006.67 | per bank statements |
| XXXX | XXXX | 9896360 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.06 | 16.85 | discrepancy appears due to rental income calc on subject |
| XXXX | XXXX | 9846197 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.25 | 49.87 | Audit calculated lower income |
| XXXX | XXXX | 9895761 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | True data appraised value. Tape data is an adjusted price. |
| XXXX | XXXX | 9895761 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9846219 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.174 | 1 | Audit DSCR "market rent/PITIA" and matches Lender's approval |
| XXXX | XXXX | 9895764 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 9895764 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.12 | 30.57 | Audit DTI matches 1008 DTI |
| XXXX | XXXX | 9984618 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 9 | 1 | Per 1003, credit report |
| XXXX | XXXX | 9984625 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per loan approval |
| XXXX | XXXX | 9984625 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| XXXX | XXXX | 9976792 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note and appraisal |
| XXXX | XXXX | 9976792 | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal |
| XXXX | XXXX | 9984640 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | CashOut | Per CD |
| XXXX | XXXX | 9984632 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003/Credit Report |
| XXXX | XXXX | 9895758 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9895758 | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Appraisal confirms the subject property is a SFR. |
| XXXX | XXXX | 9855599 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 9855599 | XXXX | Qualifying LTV | propertyValuationPage | 76.6 | 80.00 | Loan Amount /Appraised Value |
| XXXX | XXXX | 9855599 | XXXX | Qualifying FICO | creditLiabilitiesPage | 776 | 778 | Per Credit Report. - Primary Wage Earner Score used |
| XXXX | XXXX | 9855599 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.7 | 30.00 | DTI in line with 1008 |
| XXXX | XXXX | 9976790 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.14 | 1.07 | Audit DSCR matches Lender DSCR from Worksheet/1008 |
| XXXX | XXXX | 9896359 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 9896359 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 129.29 | 135.00 | Per bank statements |
| XXXX | XXXX | 9917854 | XXXX | Property Type | propertyValuationPage | Condominium | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 9896381 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.38 | 25.01 | Lender did not include HOA fee on primary residence and did not used a vacancy factor for rental income |
| XXXX | XXXX | 9984631 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Approval or Per 1008 |
| XXXX | XXXX | 9984631 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 9984628 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per Approval or Per 1008 |
| XXXX | XXXX | 9984628 | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 9984628 | XXXX | Borrower 1 Rent or Own | the1003Page | Rent | Own | Per Application |
| XXXX | XXXX | 9984628 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | per credit report |
| XXXX | XXXX | 9984629 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Credit report and subject |
| XXXX | XXXX | 9984629 | XXXX | Prepayment Penalty Flag | notePage | Y | true | As per note |
| XXXX | XXXX | 9984633 | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per application DSCR |
| XXXX | XXXX | 10026815 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal Townhouse/PUD |
| XXXX | XXXX | 10026816 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal Townhouse/PUD |
| XXXX | XXXX | 10026817 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal Townhouse/PUD |
| XXXX | XXXX | 10026817 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.982 | 0.97 | Audit DSCR matches Lender DSCR from Worksheet/1008 |
| XXXX | XXXX | 9984617 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| XXXX | XXXX | 9984621 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| XXXX | XXXX | 9984621 | XXXX | Borrower 1 Years in Current Home | the1003Page | 4.33 | 52 | per 1003 |
| XXXX | XXXX | 9984621 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 9984621 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | No other liens |
| XXXX | XXXX | 9984621 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Additional REO owned |
| XXXX | XXXX | 9984642 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 9984642 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | No other liens |
| XXXX | XXXX | 10005697 | XXXX | Qualifying FICO | creditLiabilitiesPage | 767 | 744 | PER GUIDELINES USE MID OF HIGHER IF BORROWERS ARE 50/50 IN BUSINESS |
| XXXX | XXXX | 10104168 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.53 | 31.28 | Audit calculated less income |
| XXXX | XXXX | 10104168 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | confirmed to use FMC-15 |
| XXXX | XXXX | 9895756 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 9895756 | XXXX | Qualifying LTV | propertyValuationPage | 54.46 | 53.85 | Matches 1008 |
| XXXX | XXXX | 10005709 | XXXX | Term | notePage | 360 | 120 | Per Note |
| XXXX | XXXX | 10005709 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.485 | 1.34 | Matches rate lock |
| XXXX | XXXX | 10005710 | XXXX | Qualifying LTV | propertyValuationPage | 64.86 | 64.99 | Loan Amount/Purchase Price |
| XXXX | XXXX | 10026820 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per apprasial |
| XXXX | XXXX | 10026820 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.049 | 1.06 | Audit matches with Lender Calculation |
| XXXX | XXXX | 10026490 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 7.05 | 22.00 | per bank statements |
| XXXX | XXXX | 10026556 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 10026556 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| XXXX | XXXX | 10026556 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 19.65 | 18.00 | Per bank statements |
| XXXX | XXXX | 10026556 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.8 | 17.32 | Per Note |
| XXXX | XXXX | 10026639 | XXXX | Borrower 1 FTHB | the1003Page | true | N | Per Final 1003 |
| XXXX | XXXX | 10026639 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.13 | 18.00 | Audit verified assets |
| XXXX | XXXX | 9895770 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.44 | 45.00 | Lender used different net rental income than what was verified |
| XXXX | XXXX | 10005701 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 10005701 | XXXX | Qualifying LTV | propertyValuationPage | 66.83 | 66.45 | Audit LTV matches Lender LTV on 1008 |
| XXXX | XXXX | 9895745 | XXXX | Qualifying LTV | propertyValuationPage | 62.94 | 62.38 | Matches 1008 |
| XXXX | XXXX | 9895745 | XXXX | Qualifying FICO | creditLiabilitiesPage | 739 | 723 | Primary Wage Earner |
| XXXX | XXXX | 9895745 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.34 | 38.59 | Matches 1008 |
| XXXX | XXXX | 10085636 | XXXX | Originator Doc Type | employmentIncomePage | 2YR Full Doc | 12 Mo Full Documentation | 24 months income provided, UW reviewed 24 months. |
| XXXX | XXXX | 10085636 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.78 | 43.58 | Audit income lower and debt higher than 1008 in loan file |
| XXXX | XXXX | 10005702 | XXXX | Qualifying FICO | creditLiabilitiesPage | 724 | 698 | Higher of the borrowers score is used as they are 50/50 owners |
| XXXX | XXXX | 9976807 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 50.00 | Client does not have DTI listed in the 1008 Asset Utilization. |
| XXXX | XXXX | 9807843 | XXXX | Originator Doc Type | employmentIncomePage | 24 Month Bank Statement | 12 Month Bank Statement | The tape states 12 months, however, the loan file bank statement analysis reflects 24 months. |
| XXXX | XXXX | 9807843 | XXXX | Qualifying FICO | creditLiabilitiesPage | 761 | 760 | Primary Wage Earner Score used |
| XXXX | XXXX | 9807843 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.31 | 26.91 | Lender qualified at the incorrect start rate for the subject; lender used incorrect PITIA for primary. Lender did not use any rental income for the subject. Audit did (since lender did not qualify at the correct start rate) |
| XXXX | XXXX | 10026819 | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10026819 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.92 | 30.00 | Lender used incorrect start rate for subject. Lender counted 2 debts twice each. Lender did not offset subj PITI w/market rents |
| XXXX | XXXX | 10085645 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.97 | 44.27 | Variance in REO income |
| XXXX | XXXX | 10005696 | XXXX | Qualifying LTV | propertyValuationPage | 23.53 | 26.67 | per approval |
| XXXX | XXXX | 10088639 | XXXX | Qualifying FICO | creditLiabilitiesPage | 718 | 722 | per credit report |
| XXXX | XXXX | 10026446 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per bank statements |
| XXXX | XXXX | 10026834 | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per title and appraisal |
| XXXX | XXXX | 10026834 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.7 | Not a DSCR loan |
| XXXX | XXXX | 10066015 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per Appraisal. |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 4 - ATR QM Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction 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 | XXXX | 9091824 | 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 | XXXX | 9119047 | 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 | XXXX | 9111460 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9119025 | 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 | XXXX | 9100941 | 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 | XXXX | 9081735 | 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 | XXXX | 9125130 | 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 | XXXX | 9146954 | 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 | XXXX | 9146955 | 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 | XXXX | 9119063 | 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 | XXXX | 9156986 | 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 | XXXX | 9156956 | 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 | 26654.39 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9190374 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7493 | 7.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9771.32 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9201282 | 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 | XXXX | 9226539 | 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 | XXXX | 9956963 | 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 | XXXX | 9197010 | 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 | 4507.5 | 7.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44739.71 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9956964 | 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 | 12845 | 7.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4576.85 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9239910 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 5650.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9956965 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9956966 | 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 | XXXX | 9243480 | 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 | XXXX | 9248259 | 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 | XXXX | 9356681 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | Yes | Yes | Yes | No | No | Yes | No | No | No | No | Yes | 19226.25 | 9.189 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9984.91 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9956969 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9502794 | 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 | 9535 | 7.533 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 13611.73 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9857715 | 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 | XXXX | 9502872 | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 12832.5 | 8.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 56939.57 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9248234 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 291159.16 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9502867 | 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 | 8007.5 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10834.51 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9956967 | 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 | 8000 | 6.855 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes | 8758.01 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9365895 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3943.21 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9502871 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 22611.75 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 49385.69 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9857648 | 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 | XXXX | 9857649 | 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 | XXXX | 9502114 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28200.2 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9555120 | 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 | XXXX | 9613756 | 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 | XXXX | 9857411 | 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 | 1573347.17 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9303134 | 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 | XXXX | 9857559 | 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 | 66414.9 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9502140 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21340.67 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10024830 | 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 | XXXX | 9555123 | 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 | 11464.66 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9613762 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23746.59 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9555122 | 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 | 8442 | 7.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6923.34 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9956975 | 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 | XXXX | 9956974 | 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 | XXXX | 9768913 | 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 | XXXX | 9857519 | 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 | 11483.63 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613787 | 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 | XXXX | 9956977 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 61890 | 7.697 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 230943.2 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9613767 | 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 | 67069.95 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9694048 | 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 | 1995 | 7.294 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11768.06 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9694050 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4845 | 7.306 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1335.8 | No | Retired |  | No |  | No |  |
| XXXX | XXXX | 9555111 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7502.89 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9857484 | 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 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 64052.98 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9694022 | 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 | 6093.36 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14724.86 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9846196 | 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 | XXXX | 9846208 | 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 | 1710 | 6.545 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6274.87 | N/A | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9855585 | 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 | XXXX | 9846190 | 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 | 1790 | 6.856 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1842.47 | Yes | Retired |  | No |  | No |  |
| XXXX | XXXX | 9956978 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9768926 | 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 | 12335.44 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9613782 | 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 | XXXX | 9846202 | 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 | XXXX | 9694056 | 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 | 1312 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37947.49 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9956976 | 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 | XXXX | 9768906 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4509.63 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895762 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3896.75 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9860130 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 116931.47 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895779 | 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 | 6340 | 7.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14047.5 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9613761 | 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 | 2590 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15879.02 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9855583 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13555.52 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9846192 | 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 | XXXX | 9855577 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 26070.62 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9895748 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 51834.73 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895757 | 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 | 92652.85 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9855565 | 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 | 6.633 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85950.25 | Yes | Not Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9895755 | 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 | 69635.6 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9917870 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9855592 | 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 | 2192.7 | 7.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6376.2 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9976794 | 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 | XXXX | 9896346 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 9896340 | 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 | XXXX | 9896360 | 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 | 36512.65 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9917875 | 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 | XXXX | 9846197 | 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 | 12991.36 | 7.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9819.53 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9976786 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10176.25 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895761 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 31033.02 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9846219 | 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 | XXXX | 9895764 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7974.4 | 7.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6280.3 | Yes | Employed | Retired | No | No | No |  |
| XXXX | XXXX | 9855587 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 6079.53 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9984637 | 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 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26792.45 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9984618 | 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 | XXXX | 9984625 | 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 | XXXX | 9976792 | 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 | XXXX | 9984640 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | 14245.27 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9984639 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14617.64 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9984620 | 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 | XXXX | 9984626 | 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 | XXXX | 9984623 | 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 | XXXX | 9984638 | 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 | 7.17 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 110603.05 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9976787 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 28432.93 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 9984624 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9984619 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9984616 | 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 | Yes |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9984632 | 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 | XXXX | 9984635 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9694060 | 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 | 32043.13 | 7.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11085.85 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9855590 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | 100007.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895777 | 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 | 23013.89 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9855591 | 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 | 15570.9 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9895758 | 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 | 2190 | 6.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 125135.64 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9855599 | 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 | 31126 | 6.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79714.09 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9976790 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9984634 | 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 | XXXX | 9896359 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9984622 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9917854 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18286.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9846189 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 2556.25 | 6.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21671.01 | Yes | Retired | Employed | No | No | No |  |
| XXXX | XXXX | 9984627 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9976783 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 51020.85 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9984641 | 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 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 16516.56 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9896381 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 32796.17 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9984630 | 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 | XXXX | 9984631 | 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 | XXXX | 10005721 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | Yes | 6264.33 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 9984628 | 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 | XXXX | 9984629 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9984633 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 10026815 | 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 | XXXX | 10026816 | 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 | XXXX | 10026817 | 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 | XXXX | 9984617 | 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 | XXXX | 9984621 | 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 | XXXX | 9984642 | 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 | 6.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82718.76 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10005697 | 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 | 6188.63 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34706.02 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 10104168 | 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 | 19045 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16032.81 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9917856 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | XXXX | 9895756 | 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 | 1295 | 6.394 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32239.79 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | XXXX | 10005709 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 10005710 | 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 | XXXX | 10026820 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 10005703 | 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 | 68891.31 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026490 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 7003.75 | 8.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5927.22 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10005720 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 58189.28 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026842 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | 338455.56 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026556 | 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 | 6095 | 6.803 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | Yes | 21884.5 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9896333 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | XXXX | 10026639 | 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 | 8755 | 7.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3442.28 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 9895770 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 34218.1 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10005701 | 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 | 33792.5 | 6.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39745.6 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9895745 | 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 | 1650 | 6.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5734.44 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 10085636 | 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 | 8145 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12552.02 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 10005702 | 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 | 2390 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15290.46 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 10026823 | 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 | 6.78 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 16093.68 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 9976807 | 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 |  | N/A | Retired |  | No |  | Yes | Present |
| XXXX | XXXX | 9846227 | 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 | 0 | 6.882 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13536.11 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 9807843 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 38437.65 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 9976808 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 34232.42 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | XXXX | 10026819 | 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 | 51692.86 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | XXXX | 10085645 | 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 | 18209.55 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10066008 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16889.92 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10005696 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 46350.14 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026441 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6032.5 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4131.2 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | XXXX | 9895753 | 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 | 1680 | 7.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 129181.44 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 10088639 | 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 | 2250070.92 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026446 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10095 | 7.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5895.97 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10026834 | 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 | 16055.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026642 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15745 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7385.37 | Yes | Employed | Employed | No | No | No |  |
| XXXX | XXXX | 10066015 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13224.82 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10026833 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 873698.15 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | XXXX | 10110783 | 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 | 11693.5 | 6.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22177.53 | N/A | Employed |  | No |  | No |  |
| XXXX | XXXX | 10110762 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 12220 | 7.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5082.77 | Yes | Employed |  | No |  | No |  |
| XXXX | XXXX | 10110769 | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12755.56 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8807.09 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3**

 **Schedule 5 - Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 9091824 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 9119047 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.07 | 74.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XXXX |
| XXXX | XXXX | 9111460 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9119025 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9100941 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9081735 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9125130 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9146954 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9146955 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9119063 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 76.25 | 76.25 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9156986 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0171 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0171 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9156956 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 78.53 | 78.53 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9190374 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.94 | 64.94 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9201282 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9226539 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9956963 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 37.47 | 37.47 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9197010 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 9956964 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.58 | 61.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 9239910 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9956965 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9956966 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 32.2 | 32.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9243480 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9248259 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9356681 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9956969 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502794 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.49 | 72.49 | XXXX | XXXX | -.0290 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0290 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9857715 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 44.12 | 44.12 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9502872 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9248234 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 9502867 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 9956967 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9365895 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.75 | 69.75 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 2.1 | XXXX |
| XXXX | XXXX | 9502871 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 9857648 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 9857649 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.46 | 38.46 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9502114 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9555120 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9613756 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857411 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9303134 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0032 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0032 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9857559 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 9502140 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10024830 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0345 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0345 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9555123 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 9613762 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 9555122 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9956975 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9956974 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9768913 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9857519 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.89 | 68.89 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9613787 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.66 | 69.66 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9956977 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.77 | 69.77 | XXXX | XXXX | .0093 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0093 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9613767 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | XXXX | 9694048 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9694050 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.58 | 29.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | XXXX |
| XXXX | XXXX | 9555111 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9857484 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | XXXX | 9694022 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9846196 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9846208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9855585 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.74 | 59.74 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 9846190 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.71 | 55.71 | XXXX | XXXX | -.0514 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0514 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9956978 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9768926 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0267 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0267 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9613782 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 9846202 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 9694056 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0028 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0028 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9956976 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 66.2 | 66.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9768906 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0981 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0981 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895762 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9860130 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.85 | 74.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895779 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.29 | 61.29 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9613761 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.01 | 75.01 | XXXX | XXXX | .0004 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0004 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 9855583 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 36.64 | 36.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9846192 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9855577 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895748 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895757 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.21 | 79.21 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9855565 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0099 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0099 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9895755 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 9917870 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9855592 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.0 | 79.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9976794 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9896346 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 9896340 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9896360 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0110 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0110 | 94.0 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9917875 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 9846197 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 71.28 | 71.28 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9976786 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.99 | 64.99 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9846219 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9895764 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.07 | 70.07 | XXXX | XXXX | .0219 | Broker Price Opinion (BPO) Internal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0219 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 9855587 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9984637 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9984618 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984625 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9976792 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984640 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984639 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | XXXX | 9984620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | XXXX | 9984626 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.6 | 56.6 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.3 | XXXX |
| XXXX | XXXX | 9984623 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 9984638 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | XXXX | 9976787 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.44 | 38.44 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 9984624 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984619 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984616 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0066 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0066 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984632 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984635 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.83 | 38.83 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9694060 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 9855590 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9895777 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9855591 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.36 | 73.36 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895758 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9855599 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.6 | 76.6 | XXXX | XXXX | .1935 | 1004 URAR |  |  |  |  | XXXX | XXXX | .1935 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 9976790 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.5 | 64.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9984634 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9896359 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 98.0 | 0.02 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 9984622 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0035 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0035 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9917854 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 9846189 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 56.81 | 56.81 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9984627 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.57 | 59.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 9976783 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984641 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9896381 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984630 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984631 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10005721 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9984628 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984629 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984633 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 68.55 | 68.55 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10026815 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.29 | 66.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10026816 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.48 | 69.48 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 10026817 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.05 | 68.05 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9984617 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9984621 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9984642 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 10005697 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 10104168 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9917856 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 9895756 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.46 | 54.46 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 10005709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.07 | 74.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10005710 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 64.86 | 64.86 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10026820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10005703 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.8 | XXXX |
| XXXX | XXXX | 10026490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 10005720 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10026842 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0510 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0510 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10026556 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.92 | 79.92 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 9896333 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 10026639 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9895770 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10005701 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.83 | 66.83 | XXXX | XXXX | .0156 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0156 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | XXXX | 9895745 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.94 | 62.94 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | XXXX | 10085636 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 77.92 | 77.92 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10005702 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.39 | 74.39 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | XXXX | 10026823 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 9976807 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.73 | 72.73 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 9846227 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 9807843 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 61.86 | 61.86 | XXXX | XXXX | .0309 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0309 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 9976808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 10026819 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 10085645 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 10066008 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10005696 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.53 | 23.53 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10026441 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.01 | 11.01 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 9895753 | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 10088639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.85 | 74.85 | XXXX | XXXX | -.0647 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0647 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 10026446 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10026834 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10026642 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 10066015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.35 | 69.35 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 10026833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.64 | 57.64 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 10110783 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 10110762 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 62.31 | 62.31 | XXXX | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | XXXX | 10110769 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex9904001.jpg)

![](ex9904002.jpg)

**March 3, 2026<br> Due Diligence Narrative Report**<br>

![](ex9904003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;Sampling | 3 |
| &nbsp;&nbsp;&nbsp;Sponsor Acquisition Criteria | 3 |
| &nbsp;&nbsp;&nbsp;Loan Grading | 3 |
| &nbsp;&nbsp;&nbsp;TPR Component Review Scope | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;Data Capture | 7 |
| &nbsp;&nbsp;&nbsp;Data Integrity | 7 |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

MSRM 2026-NQM3 Due Diligence Narrative Report Page \| 1 March 3, 2026

![](ex9904003.jpg)

Clayton Contact Information

**Client Service Management:** 

---

| | | |
|:---|:---|:---|
| ![](ex9904004.jpg) | **Ralph Fox** | Client Services – Senior Director |
|  |  | Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u> |
| ![](ex9904004.jpg) | **Joe Ozment** | VP Client Services and Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of theLender, Clayton conducted an independent third-party pre-securitization due diligence review of 38 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of HomeXpress Mortgage Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 7 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of eResi Mortgage, Clayton conducted an independent third-party pre-securitization due diligence review of 35 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

On behalf of SG Capital Partners, Inc., Clayton conducted an independent third-party pre-securitization due diligence review of 2 residential loans. These loans were sold to Morgan Stanley Mortgage Capital Holdings LLC (MSMCH) or one of its affiliates and the diligence results were provided to MSMCH pursuant to a reliance letter.

The loans referenced in this narrative report were reviewed on a bulk and flow basis between August 2022 and February 2026 at Clayton's centralized underwriting facility in Tampa, FL. This narrative report provides information about the original lender, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loan in this review:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;58 | &nbsp;&nbsp;70.73% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;24 | &nbsp;&nbsp;29.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** |

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

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

Sampling

For all originators in this transaction, 56.10% of the loans received a Full Review as described below.

Review Type Loan Counts:

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| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count*** <br> ***Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 46\* | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | &nbsp;&nbsp; 82<br>|  |

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\*36 loans were not reviewed for regulatory compliance in accordance with paragraph 2 of the "Compliance Review (Business Purpose, Non-Owner Occupied)"

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable originator's guidelines.

Loan Grading

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

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll, Morningstar, and DBRS

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

![](ex9904005.jpg)

TPR Component Review Scope

Clayton examined each loan file 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 this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Examined Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
by the Seller and received by Clayton for Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy
status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

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Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original Appraisal Assessment (82 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value Supported Analysis (49 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product. Clayton had independent access to all products listed below.

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

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

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

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;

- 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

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| |
|:---|
| promulgated by the Consumer Financial Protection Bureau, as further described on <u>Appendix C</u> attached hereto and |
| TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> 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; and

- 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 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 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> , 2016 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 Morgan Stanley Mortgage Capital Holdings.

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

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

As of December 18, 2020, Clayton modified its system to not run regulatory compliance testing on business entities, including LLC's, unless there is also a co-borrower that is a natural person or a trust that is considered to be a "consumer" under

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TILA. Rather than migrating compliance findings to an A on such loans as was the previous process, going forward no compliance grades are assigned in these instances.

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") and Standard and Poor's LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Data Integrity

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tape data received from lender/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; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Each discrepancy is reported on the Clayton Loan Level Tape Compare.

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**Data Compare Results**

Clayton provided Morgan Stanley Mortgage Capital Holdings, LLC (MSMCH) with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;92.68% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;19 | &nbsp;&nbsp;76.83% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;93.90% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;92.68% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.15% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;89.02% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;15 | &nbsp;&nbsp;81.71% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;92.68% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.34% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;4 | &nbsp;&nbsp;95.12% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.78% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;87.80% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Rate Lock Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.34% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;32 | &nbsp;&nbsp;60.98% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;92.68% |

---

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (82 loans)</u>

![](ex9904006.jpg)

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

**Initial and Final Credit Component Grade Results**![](ex9904007.jpg)

**Initial and Final Property Valuation Grade Results**![](ex9904008.jpg)

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**Initial and Final Regulatory Compliance Grade Results\***![](ex9904009.jpg)

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (36 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. Conditions Report

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Standard Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Non-ATR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Guideline Report

**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

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

- Citizenship status

- Non- occupant co-borrower

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

&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

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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;■ 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

- 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

- 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

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&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:

– 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:

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– 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:

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

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

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

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

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

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

– 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

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– 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.

&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

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G. Desk Review definitions

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

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

**Appendix C: Regulatory Compliance Review Scope**

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

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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)

&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:

● Pre-application forms cannot look similar to the LE

● 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:

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

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

● 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:

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

● 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:

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

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

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

● 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

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● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

● Alphabetization of fees.

● Title fees preceded by "Title –."

● 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

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

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

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

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

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

● 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.

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

● 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

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

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

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

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

● 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

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

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

● 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

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

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

● 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:

● 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.

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

● Accuracy of the Aggregate Adjustment amount.

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

● 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.

**<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:

---

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

---

**B.** **State/Local High Cost** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |

---

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---

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

---

**C.** **Anti-Predatory** 

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

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

**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.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;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:

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---

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

---

See 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.

**<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

MSRM 2026-NQM3 Due Diligence Narrative Report Page \| 21 March 3, 2026

![](ex9904003.jpg)

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.© 2026 Clayton Services LLC. All rights reserved.

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

MSRM 2026-NQM3 Due Diligence Narrative Report Page \| 22 March 3, 2026

## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 1 - Non ATR QM Upload Report**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM3** |
| **Start - End Dates:** | **12/09/2024 - 2/11/2026** |
| **Deal Loan Count:** | **82** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *82* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 10104156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2214 | No | No | 1.48 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 47.31 | 0 | 47.31 | 47.31 | 47.31 | No | No | (No Data) | 56597.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10104171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46 | 0 | 46 | 46 | 46 | (No Data) | (No Data) | (No Data) | 10702.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9104566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7240.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10500.00 | No | (No Data) | 1.4502 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9104626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -930.26 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1375.00 | No | (No Data) | 1.4781 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9137804 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3061.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3100.00 | No | (No Data) | 1.0125 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1579 | No | No | 4.084 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.7 | 47.25 | 47.7 | 47.25 | 47.25 | 47.25 | No | No | (No Data) | 9800.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3121 | Yes | Yes | 3.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.35 | 29.61 | 40.35 | 29.61 | 29.61 | 29.61 | No | No | (No Data) | 13762.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.6772 | No | No | 4.568 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.76 | 44.77 | 44.76 | 44.77 | 44.77 | 44.77 | No | No | (No Data) | 9704.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3810.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.1808 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1183.97 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1485.00 | No | (No Data) | 1.2542 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.2536 | No | No | 3.175 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.52 | 43.52 | 43.52 | 43.52 | 43.52 | 43.52 | No | No | (No Data) | 3543.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8323.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 9000.00 | 1.0812 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3087.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3250.00 | No | (No Data) | 1.0526 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 10026425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5596.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7000.00 | No | (No Data) | 1.2508 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7489.76 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9666.00 | No | (No Data) | 1.2906 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5085.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5700.00 | No | (No Data) | 1.1209 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.7501 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1939.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2000.00 | 1.0314 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7981 | Yes | No | 1.323 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.29 | 31.52 | 47.29 | 31.52 | 31.52 | 31.52 | No | No | (No Data) | 12678.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1617.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.7309 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1744.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.0318 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -900.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1250.00 | No | (No Data) | 1.3878 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -914.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.4212 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1728.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4300.00 | No | (No Data) | 2.4877 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8445.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 8500.00 | 1.0064 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1889.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.5873 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6450 | Yes | Yes | 1.311 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.74 | 12.74 | 12.74 | 12.74 | 12.74 | 12.74 | No | No | (No Data) | 47998.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1524.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.0823 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.8178 | Yes | Yes | 3.515 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.48 | 40.47 | 40.48 | 40.47 | 40.47 | 40.47 | No | No | (No Data) | 2372.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1398.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1625.00 | No | (No Data) | 1.1620 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Work Visa | (No Data) | (No Data) |
| 10026611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | Yes | No | 3.5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.55 | 0 | 32.55 | 32.55 | 32.55 | (No Data) | (No Data) | (No Data) | 8173.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | Yes | No | 3.313 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 20.25 | 0 | 20.25 | 20.25 | 20.25 | (No Data) | (No Data) | (No Data) | 40480.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9901 | Yes | No | 3.995 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 7.7 | 0 | 7.7 | 7.7 | 7.7 | (No Data) | (No Data) | (No Data) | 635402.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.9235 | Yes | Yes | 1.551 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 8.38 | 8.38 | 8.38 | 8.38 | 8.38 | 8.38 | No | No | (No Data) | 630730.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 12 mos interest of amt prepd in 12 mos if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 7.9901 | Yes | No | 6.392 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 8.58 | 0 | 8.58 | 8.58 | 8.58 | (No Data) | (No Data) | (No Data) | 629366.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3786.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5294.00 | No | (No Data) | 1.3981 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10026644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7367 | No | No | 3.338 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.34 | 45.05 | 44.34 | 45.05 | 45.05 | 45.05 | No | Yes | Yes | 5684.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7577 | Yes | Yes | 2.703 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.85 | 42.29 | 42.29 | 42.29 | 42.29 | 42.29 | No | No | (No Data) | 8196.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | Yes | No | 2.65 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.11 | 0 | 37.11 | 37.11 | 37.11 | (No Data) | (No Data) | (No Data) | 32109.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 10110798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6562 | Yes | Yes | 2.22 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.78 | 26.66 | 26.78 | 26.66 | 26.66 | 26.66 | No | No | (No Data) | 59303.31 | Yes | 60 | Yes | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 8999008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.0942 | Yes | Yes | 3.052 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.36 | 42.37 | 42.36 | 42.37 | 42.37 | 42.37 | No | No | (No Data) | 15817.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 99 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 99 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9067368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2 mos interest on amt prepd in 12 mos >1/3 of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0.806 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2796.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3075.00 | No | (No Data) | 1.0997 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9101469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.89 | 0 | 19.89 | 19.89 | 19.89 | (No Data) | (No Data) | (No Data) | 69296.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 9101337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.1059 | Yes | Yes | 3.225 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 7.82 | 7.82 | 7.82 | 7.82 | 7.82 | 7.82 | No | No | (No Data) | 24887.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9246633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1725 | No | No | 2.678 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.67 | 43.37 | 43.67 | 43.37 | 43.37 | 43.37 | No | No | (No Data) | 4350.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9362354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1356.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.1054 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9362315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2426.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 0.9272 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -15480.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4300.00 | No | (No Data) | 1.18 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9613766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.99 | 0 | 21.99 | 21.99 | 21.99 | (No Data) | (No Data) | (No Data) | 48763.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9613778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.17 | 0 | 21.17 | 21.17 | 21.17 | (No Data) | (No Data) | (No Data) | 49276.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 8.0001 | Yes | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.46 | 0 | 40.46 | 40.46 | 40.46 | (No Data) | (No Data) | (No Data) | 13854.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 2% of amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | Yes | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 35.68 | 0 | 35.68 | 35.68 | 35.68 | (No Data) | (No Data) | (No Data) | 28718.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2% of amt prepd in 24 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.55 | 0 | 48.55 | 48.55 | 48.55 | (No Data) | (No Data) | (No Data) | 18399.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9917880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4900 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 3.75 | 0 | 3.75 | 3.75 | 3.75 | (No Data) | (No Data) | (No Data) | 186005.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9896323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1115.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.2551 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9226530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2073 | Yes | Yes | 2.141 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Not Applicable | No | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 25.91 | 25.92 | 25.91 | 25.92 | 25.92 | 25.92 | No | No | (No Data) | 41451.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9243468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 24 mos adv interest on amt prepd within 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 14.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -24869.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8000.00 | No | (No Data) | 1.02 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9303135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3141 | No | No | 1.922 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13274.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.09 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9365874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1366 | Yes | Yes | 0.101 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 17.4 | 17.75 | 17.4 | 17.75 | 17.75 | 17.75 | No | Yes | Yes | 33882.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9388844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 25.59 | 0 | 25.59 | 25.59 | 25.59 | (No Data) | (No Data) | (No Data) | 26622.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9502138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2464.23 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2030.00 | No | (No Data) | 1.04 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9502118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 3.495 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.36 | 0 | 49.36 | 49.36 | 49.36 | (No Data) | (No Data) | (No Data) | 12786.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> Verbal VOE with Income - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9502132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 2% of amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.8751 | Yes | No | 1.6 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.74 | 0 | 42.74 | 42.74 | 42.74 | (No Data) | (No Data) | (No Data) | 5726 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9555119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 2% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9037.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 7200.00 | 0.80 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 24 Months | DSCR - w/lease agreement - 24 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepaid in 12 mos | (No Data) | Yes | Yes | 1 | 7.4900 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.86 | 0 | 37.86 | 37.86 | 37.86 | (No Data) | (No Data) | (No Data) | 23731.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 7.4900 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2437.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1995.00 | No | (No Data) | 0.82 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9694057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4650.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.35 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9768901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2499 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5218.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2268.00 | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - Month-to-Month | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9768903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.9329 | Yes | No | 3.607 | 3.607 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.21 | 42.11 | 0 | 42.11 | 42.11 | 42.11 | No | No | (No Data) | 3460.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 12 months;<br> Award Letter - 12 months | 1099 - 12 months;<br> Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9768912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2617 | Yes | No | 1.18 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.6 | 32.35 | 0 | 32.35 | 32.35 | 32.35 | No | No | (No Data) | 14101.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 31 | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9768921 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4433.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.15 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9807865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9839 | Yes | No | 0.848 | 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 | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.97 | 35.94 | 0 | 35.94 | 35.94 | 35.94 | No | Yes | Yes | 6155.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | Full Recourse | (No Data) | (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) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9807870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.4900 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1145.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | No | (No Data) | 1.70 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9807871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 1% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3652.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.63 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9846184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2%, 1% of UPB in year 1,2 | (No Data) | No | Yes | 1 | 6.8750 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2436.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9846203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2414.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.57 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9846218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.8964 | No | No | 6.58 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2885.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2325.00 | No | (No Data) | 1.00 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9855571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.95 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2975.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.17 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9855600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3879.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5400.00 | 1.39 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | DSCR - w/lease agreement - 12 Months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9855578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.2500 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4982.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.20 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9895744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3%, 2%, 1%, of amt prepd in 12 mos that is >20% of OPB in year 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2129.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.05 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9895776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.28 | 0 | 38.28 | 38.28 | 38.28 | (No Data) | (No Data) | (No Data) | 5509.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 9917874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.35 | 0 | 44.35 | 44.35 | 44.35 | (No Data) | (No Data) | (No Data) | 9518.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 2 - Conditions Report**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM3** |
| **Start - End Dates:** | **12/9/2024 - 2/11/2026** |
| **Deal Loan Count:** | **82** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *82* |
| ***Loans with Conditions:*** | *41* |
| **5 - Total Active Conditions** | **5 - Total Active Conditions** |
| **5 - Non-Material Conditions** | **5 - Non-Material Conditions** |
|  | 5 - Credit Review Scope |
|  | 2 - Category: Assets |
|  | 3 - Category: LTV/CLTV |
| **57 - Total Satisfied Conditions** | **57 - Total Satisfied Conditions** |
|  | 48 - Credit Review Scope |
|  | 3 - Category: Application |
|  | 8 - Category: Assets |
|  | 4 - Category: Credit/Mtg History |
|  | 4 - Category: DTI |
|  | 7 - Category: Income/Employment |
|  | 12 - Category: Legal Documents |
|  | 10 - Category: Terms/Guidelines |
|  | 4 - Property Valuations Review Scope |
|  | 4 - Category: Appraisal |
|  | 5 - Compliance Review Scope |
|  | 1 - Category: Documentation |
|  | 1 - Category: Right of Rescission |
|  | 3 - Category: TILA/RESPA Integrated Disclosure |
| **18 - Total Waived Conditions** | **18 - Total Waived Conditions** |
|  | 7 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
|  | 4 - Category: Terms/Guidelines |
|  | 11 - Property Valuations Review Scope |
|  | 11 - Category: Appraisal |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM3** |
| **Start - End Dates:** | **12/9/2024 - 2/11/2026** |
| **Deal Loan Count:** | **82** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *82* |
| ***Loans with Conditions:*** | *41* |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 10104156 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Ability to Repay/Qualified Mortgage | Waived C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | (No Data) | (No Data) | Exception set in error. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 59.83% LTV is below program max allowable of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 47.31% DTI is below program max allowable of 55%. |
| 10104171 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 738 FICO exceeds program min by > 20 points<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 19.01% revolving credit utilization<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 31.51 months reserves. |
| 9104566 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 775. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: 6% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 32 months |
| 9104626 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: 11% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying fico is 764. G/l min is 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 102.80 months piti reserves. 6 months required. |
| 9137804 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrower has resided at current residence for 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 65% LTV below guideline requirements of 75% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves $XXX, 130.75 months; 6 months reserves required. |
| 10026384 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 47.25% is below the guideline minimum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 654 is 34 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $41,184.22, 9.74 months; 6 months required. |
| 10026385 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing Fraud report verifying appraiser and all participants are cleared | 1-9-26 Client uploaded Fraud report participants list. | 1-12-26 XXX reviewed fraud report participants list and SAM search. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 660 exceeds the minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets $XXX, 5.44 months reserves, 3 months required<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 29.61% is below the maximum of 50% |
| 10026390 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV is below the 90% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5.78 months of reserves are above the required 0.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 790 FICO score is above the 620 min. |
| 9896413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing supporting documentation for XXX business accounts XXX & XXX . Accounts held under business name XXX. No documentation is on file to support borrowers ownership and access to this business account. | 12-15-25 Client uploaded EIN for business. | 12-16-25 XXX reviewed EIN for business which reflects borrower is sole member. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of705 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of93 months exceeds the required 12 months |
| 9896413 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing verification of XXX account XXX used for closing with a balance of at least $XXX. | 12-15-25 Client uploaded VOD. | 12-16-25 XXX reviewed VOD dated XXX for XXX XXX reflecting a balance of $XXX with a 30 day average of $XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of705 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of93 months exceeds the required 12 months |
| 9896446 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 747 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves= $XXX , XXX months. 0 months required. |
| 9896421 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score 817 . Guideline minimum 720.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 60%. Guideline maximum 90%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 11.02 months. No reserves are required. |
| 9896345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $543.16. Required reserves = 3 months or $XXX. Reserves verified at $XXX. XXX deems non-material/non-fatal to lending decision due to small amount of shortage and compensating factors: Credit score of 704/700 minimum, Mortgage payment reduction of $XXX and minimal credit use of 0%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX = Monthly savings of $1,383.80.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 0%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 704 is 4 points above minimum program requirement of 700. |
| 9896345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | 5% LTV exception as max is 75% for cash out refinance and loan closed at 80%.Loan considered a cash out refinance as it paid off a XXX loan to XXX. Payoff indicates next payment due on as "not applicable", payoff is $XXX with the original lien at $XXX per HUD in file dated XXX and no verification of mortgage payment history was provided. XXX deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 704/700 minimum, Mortgage payment reduction of $1383.80 and minimal credit use of 0%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1746: Significant housing expense reduction<br> - XXX Comments: Borrower current PITI is $XXX; Subject PITI is $XXX = Monthly savings of $1,383.80.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 0%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 704 is 4 points above minimum program requirement of 700. |
| 9896412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing documentation for B2 related to residency. Loan application indicates B2 residency status as XXX, however no supporting documentation was provided. | 12-10-25 Client replied: Both borrowers drivers license and SSNs included in the original upload, reuploaded.12-11-25 Client replied: XXX docs uploaded | 12-10-25 XXX reviewed the file and 1003 indicates B2 is a XXX which requires a copy of the XXX. Exception remains. 12-12-25 XXX reviewed docs and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of763 is above the required 740<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 76.83 months of PITIA. 0 months required. |
| 10026425 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 721 is 21 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, 16.11 months, 3 months required.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30 for 42 months all tradelines. |
| 9896329 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV of 80% is less than the guideline maximum of 85%<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: B2 and B3 have been in current residence 25 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = XXX, 17.26 months. No reserves are required. |
| 10026429 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 656 mid-score per CBR. 640 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 12.5 months of reserves in file. 0 required.<br>CFCFS2860: Good credit history<br> - XXX Comments: 1x30 consumer credit history in past 267 months on CBR. |
| 10026447 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: Less than 1% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash Back $XXX, 78.22 months reserves, 3 months required<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 24 yrs residing in current residence<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 660 mid-score per CBR. |
| 9896430 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing documentation of source of funds used to increase XXX acct #XXX from $XXX on XXX to $XXX (funds used to close) on XXX The account has an increase of $33396.56. Per guideline 1.6.1, large deposits greater than 100% of monthly business revenue must be documented for purchase transactions. | 12-16-25 Client replied: Please escalate to a manager and see LOE uploaded12-23-25 Client uploaded ownership doc for XXX | 12-16-25 XXX reviewed LOX. Exception is in place due to missing documentation that borrower is XXX with access to XXX XXX in the name of XXX Once Evidence of XXX of XXX is received both exceptions can be cleared as it will justify the increase in XXX XXX to cover the wire to close. Exception remains. 12-23-25 XXX reviewed ownership doc which reflects XXX and supports access to funds and ability to fund closing. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 681 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.52% is below the maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 68.29% is below the maximum of 80% |
| 9896430 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence that borrower is XXX of XXX with access to funds in XXX XXX.Note: CPA letter in file states borrower is 100% owner and sole proprietor of her business which is for XXX - XXX XXX account. | 12-23-25 Client uploaded ownership doc. | 12-23-25 XXX reviewed Bylaws for corporation which reflects borrower is XXX Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 681 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.52% is below the maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 68.29% is below the maximum of 80% |
| 9896430 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing satisfactory evidence that the transaction is not bail out due to Non-Arms Length transaction. Provide one of the following per guidelines (sec 1.4.3.1): 1) a 12- month mortgage history on the existing mortgage securing the subject property, confirmingthe Family Sale is not a foreclosure or2) Copy of the sellers payoff reflecting the loan being paid off in not in arears or3) Copy of the sellers most recent mortgage statement reflecting the loan is current | 12-23-25 Client uploaded payoff. | 12-23-25 XXX reviewed payoff which reflects the subject property lien was not in arears. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit Score 681 exceeds the minimum of 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 31.52% is below the maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV 68.29% is below the maximum of 80% |
| 10026495 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 651 FICO score is above the 640 min .<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 119.36 months. 3 months required.<br>CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has no revolving debt and 1 auto loan. |
| 10026496 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 8 years of mortgage history is above the required 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 10.57 months of reserves are above the required 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 737 FICO score is above the 700 min. |
| 10026497 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: 23% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrower is 0\*30 mortgage payment history past 60 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 102.56 months piti reserves<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 3 years living at primary residence. |
| 10026499 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: Borrowers have lived at primary residence 29 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 654 is 14 points above minimum program requirement of 640.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x99 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS2860: Good credit history<br> - XXX Comments: Borrower has 0x30 for 36 months. |
| 10026505 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 808 is 68 points above minimum program requirement of 740.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 149 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x16 months mortgage payment history exceeding guideline requirement of 1x3x12. |
| 10026513 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 4 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 51.28% LTV per review; 60% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 658 mid-score per CBR, 620 is minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 112.96 months of reserves in file. |
| 10026536 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 3.55 months reserves are above the required 0.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 703 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 3 years of mortgage history is above the required 1. |
| 10026553 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 741 mid-score per CBR. 660 minimum.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 8.8 years employed with XXX<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 29.8 years in the Finance profession.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 103 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 24 months of 0x30 mortgage history per CBR. 12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 13.35 months of reserves in file. 3 required. |
| 10026572 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3262 | Property issues indicated | No | Missing Balance sheet dated within the past 90 days for XXX 1 condo as required per guidelines to determine warrantability (sec 1.9.10.3) | 12-30-25: Client uploaded XXX financials. | 12-30-25: XXX reviewed XXX financials including Balance Sheet dated XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal use of credit with credit usage ratio of 11%<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of714 is above the required 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 44 months exceeds the required 12 months. |
| 10026583 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR - Disbursement date is before end of statutory rescission period. Handwritten dates change to shown expiration of rescission period XXX. Final CD shows disbursement date of XXX. Earliest expiration date XXX. | 1.9.26-Client provided PCCD , Satisfied. | 1.9.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves = $XXX, 80.12 months. None required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 763 FICO score is above the 660 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 14.286% LTV is below the 80% max.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 40.47% DTI is below the 50% max. |
| 10026583 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD dated XXX. | 1.9.26-Client provided PCCD , including addl. cure amount, Provide proof of receipt of CD issued XXX.1.13.26-Client provided screen shot of doc package sent/viewed XXX, including subject address, loan amount, borrower name. Satisfied. | 1.13.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves = $XXX, 80.12 months. None required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 763 FICO score is above the 660 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 14.286% LTV is below the 80% max.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 40.47% DTI is below the 50% max. |
| 10026583 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of CD dated XXX | 1.9.26-Client provided PCCD , including addl. cure amount, Provide proof of receipt of CD issued XXX.1.13.26-Client provided screen shot of doc package sent/viewed XXX, including subject address, loan amount, borrower name. Satisfied. | 1.13.26-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post closing reserves = $XXX, 80.12 months. None required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 763 FICO score is above the 660 min<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 14.286% LTV is below the 80% max.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 40.47% DTI is below the 50% max. |
| 10026598 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of657 is above the required 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves: $XXX or 83.16 months of PITIA. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of113 months exceeds the required 12 months |
| 10026611 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 6.85 months reserves are above the required 3.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 80% LTV is below the 85% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 765 FICO score is above the 620 min. |
| 10026623 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Assets | Active B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | All assets provided are business accounts not from the borrowing entity and 100% of funds were used to support cash to close/reserves. Borrower's ownership is 33.30% per docs in file and there is a 100% access letter in file. XXX deems non-material/non-fatal to lending decision as co-owners of two asset accounts are also members of the borrowing entity. Compensating factors: Cash reserves 56.02 months/6 required, 80% LTV/85% max and credit score of 800/620 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX, 56.02 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 800 is above minimum program requirement of 620. |
| 10026624 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | LTV/CLTV | Active B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | 75% maximum LTV due to loan being a Cash-out loan because borrower paid off 3 liens on Title at closing that were placed on 4 different properties for borrowers. Lender approved file as a rate/term refinance, guidelines require this to be a cash out as the underlying liens were put onto 4 different properties, blanket liens. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 75 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 127 months of 0x30 consumer credit history per CBR.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 25.5 years working in the XXX industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 660 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 6.9 years employed with XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 26.58 months of reserves in file; 3 months required. |
| 10026627 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 75 months of 0x30 mortgage credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 33.47 months of reserves in file.<br>CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 6.9 years employed with XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 660 mid-score per CBR. |
| 10026629 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - XXX Comments: 6.9 years employed with XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 45.97 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 660 mid-score per CBR.<br>CFCFS2854: Significant time in profession<br> - XXX Comments: 25.5 years employed in the XXX industry.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 75 months of 0x30 mortgage history per CBR. |
| 10026632 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing completed application for B2. | 12-31-25: client uploaded copy of application for B2. | 12-31-25: XXX reviewed application for B2. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 39 and 99 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 785 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 332.26 months. 0 months required. |
| 10026632 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing citizenship declaration for B2. | 12-31-25: client uploaded application for B2. | 12-31-25: XXX reviewed application for B2. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history of 39 and 99 months exceeds the required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 785 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX, 332.26 months. 0 months required. |
| 10026644 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Verified credit score 653. Guideline minimum 620<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 45.05% is below the maximum allowable 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Cash reserves = $XXX or 7.81 months. 6 months reserves required. |
| 10110761 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 652 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 55 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5.11 months of reserves in file, 0 months required. |
| 10110764 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has minimal credit usage ratio of 6.118%.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 37.11% is below the guideline minimum of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 777 is above minimum program requirement of 660. |
| 10110798 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 130 months of 0x30 mortgage payment history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 176 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Assets: $XXX = 107.76 months of reserves. 0 months required.<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 12 years owning primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 65% LTV per review; 75% LTV is maximum allowed per guidelines. |
| 8999008 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Gift letter indicates $XXX funds from donor at closing; the final cd reflects credit in the amount of $XXX from donor. | 12.12.2024-Client's response: XXX, 12:48:39 pmPlease find the updated gift letter for review.12.12.2024-XXX's response: Received the Gift Letter, exception satisfied. | 12.12.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or 36.92 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 785 credit score; 660 minimum required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Credit reflects oldest tradeline date XXX |
| 8999008 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing 10 day VVOE for B2. Verify employment for earnings sourced by XXX (job 2), and XXX (job 1). | 12.12.2024-Client's response: XXX, 12:47:46 pmVOE uploaded for the bwr 2 please review and clear.12.12.2024-XXX's response: Received the VVOE for both employers for the CB, exception satisfied. | 12.12.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or 36.92 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 785 credit score; 660 minimum required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Credit reflects oldest tradeline date XXX |
| 8999008 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Income verification requires 12 months business bank statements. B1 is missing XXX Bank #XXX, XXX. | 12.12.2024-Clients response: XXX, 12:48:15 pmPlease find the July bank statement for review.12.12.2024-XXX response: Received the XXX bank statement; exception is satisfied. | 12.12.2024-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: $XXX or 36.92 months PITI reserves; guidelines require 6 months reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 785 credit score; 660 minimum required score<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: Credit reflects oldest tradeline date XXX |
| 9067368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Fully Executed Cash Out Letter by Guarantor. Cash Out letter in file is signed by XXX and not XXX (Guarantor) | 3.4.25 executed cashout letter uploaded3.4.25 exception satisfied | 3.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 106+ Months Consumer Credit reporting positive<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: 44+ Months positive Mortgage History |
| 9101469 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - XXX Comments: Demonstrates Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 44 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 107+ Months Consumer Credit reporting |
| 9101337 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Post close reserves are XXX, or 105.82 months. Reserves not required.<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 643 exceeds guideline minimum of 620 for an Alt Doc cash out refinance at 70% LTV.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI of 7.82% is below guideline maximum of 55%. |
| 9246633 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $12.94. Transfer tax on initial LE XXX disclosed as $321.00. Transfer tax on final CD XXX is $334.08. No documentation provided disclosing increase in fee. Please provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 7.25.25-Client provided COC, Satisfied. | 7.25.25-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history exceeds minimum number of months required per the lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 43.37% is below the maximum allowable per the lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 670 credit score exceeds the minimum amount required per the lender guidelines |
| 9246633 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | LTV/CLTV | Active B | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | Max LTV is 75%. A 3% LTV exception is required to achieve the minimum $10,000.00 cash back. XXX deems this non-material due to the following compensating factorsBorrower has overall great credit, loan is debt consolidation with minor cash out and borrower has a long credit history with excellent credit depth. Borrower has great credit history simply high use. Cash back is being used towards debt consolidation with approximately $XXX cash to borrower. | (No Data) | Exception has been deemed non-material and re-graded to a B. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Mortgage payment history exceeds minimum number of months required per the lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DTI 43.37% is below the maximum allowable per the lender guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 670 credit score exceeds the minimum amount required per the lender guidelines |
| 9362354 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Reserves required $XXX X XXX = XXX. Cash to borrower $46,699.65 or 34.41 months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Qualifying FICO is 762, minimum required by G/L is 620<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%,max allowed by G/L is 80% |
| 9362315 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Application | Satisfied C A | CRDAPP131 | Occupancy status not supported by file documentation | No | Appraisal states "Owner" Occupancy and this is an Investment Loan (DSCR) | 8.29.25 appraisal updated please find the corrected appraisal8.29.25 exception satisfied | 8.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - XXX Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - XXX Comments: 71 Months reporting<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 Months Reserves |
| 9243455 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The Personal Guaranty Document in file is not signed by the borrower. | Received Personal Guaranty | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 61 months reserves<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: DSCR above minimum by .15 or higher<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score above minimum by 20 points or higher |
| 9613766 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Provide an access letter from the other owner of XXX. The XXX Bank account #XXX held in the name of this entity was used for closing and reserves. | Received assets access letter | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 10.53 months reserves. |
| 9613766 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The guaranty agreement was not in the file since loan closed in an entity name. | Received guaranty agreement | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 10.53 months reserves. |
| 9613766 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4238 | Business entity does not meet guidelines | No | XXX has an LLC as a member,, which is not allowed per guidelines. | The file includes an XXX approval dated XXX for the nested entity. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 10.53 months reserves. |
| 9613778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | An access letter for the XXX Bank business account #XXX (XXX) was not in the file. The operating agreement shows the borrower and another individual as owner. The final 1003 shows this account was being used for reserves. | Received assets access letter | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 9.04 months reserves. |
| 9613778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The personal guaranty agreement was not in the file. The loan closed in entity name (XXX). | Received personal Agreement | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 9.04 months reserves. |
| 9613778 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Waived B | CRDTER4238 | Business entity does not meet guidelines | No | XXX has another LLC as a member which is not allowed per guidelines. | The file includes an XXX approval dated XXX for the nested entity. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 9.04 months reserves. |
| 9694028 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Guides require a third party expense factor used for bank statement program must be from a CPA, EA, CTEC or chartered tax advisor. In this case, the 15% expense factor used for calculation qualifying bank statement income was from a PTIN. | (No Data) | The file includes an XXX approval dated XXX for this issue. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 734.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines specify reserves required for 3 months ($XXX). Total reserves verified in the amount of $XXX(90 months). |
| 9694043 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The personal guaranty agreement shows it was signed as managing member not as individual. | Received personal guaranty agreement | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 24.13 months reserves. |
| 9694055 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Tax documentation is needed for XXX | Received building permits for each that reflects that XXX and XXX are the same parcel but the taxes are n escrowed on XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 802.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines specify reserves required for 6 months ($XXX). Total reserves verified in the amount of $XXX(29 months).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%. Max allowed LTV is 80%. |
| 9694055 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Credit report reflects the following additional address in the last 2 years: XXX. LOE is needed regarding. | Received lox on addtl addresses | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 802.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines specify reserves required for 6 months ($XXX). Total reserves verified in the amount of $XXX(29 months).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%. Max allowed LTV is 80%. |
| 9694055 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The subject property is an SFR with 2 ADUs; however, the guidelines indicate only 1 ADU is allowed SFR. | Received exception approval. | Waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 802.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines specify reserves required for 6 months ($XXX). Total reserves verified in the amount of $XXX(29 months).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 70%. Max allowed LTV is 80%. |
| 9917880 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | Per 1003, borrower is living rent free. LOE has been provided regarding which advises borrower lives with parent. Per guidelines, borrower living rent free may be eligible only if they living with a non-borrowing spouse. Borrower living with any person other than a non-borrowing spouse are not eligible and may only be considered on an exception basis. No exception approval in file. | Received lox rebuttal | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 739.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%. Max allowed LTV is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines specify reserves required for 3 months ($XXX). Total reserves verified in the amount of $XXX(38 months). |
| 9896323 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Credit score of 773 is 33 points above minimum program requirement of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX/131.92 months PITIA which is > guideline minimum of 9 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: Borrowers have0x30x61 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 9226530 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | The tax professional letter in the file did not reflect the borrower's percentage of ownership and was completed by a PTIN which is not allowed under the bank statement program. | Received the operating agreement reflecting 100% ownership. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 45.63 months reserves. |
| 9226530 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | A letter of explanation for the significant difference in the calculated income versus the income stated on the 1003 was not in the file as required by the guidelines under the bank statement program. The initial 1003 has $16,666.67 per month and the calculated income was $55,953.86 per month. | Received u/w lox. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 45.63 months reserves. |
| 9226530 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The title comment shows proposed insured amount of $XXX but the loan was for $XXX. | Received title commitment with corrected loan amount. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 45.63 months reserves. |
| 9243468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The sales contract extension was not in the loan file. The contract expired XXX. | Received sales contract ext. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 47 months reserves after closing. |
| 9243468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | The personal guaranty was not in the loan file. The subject closed in the name of a business. | Received personal guaranty | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 47 months reserves after closing. |
| 9243468 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | The DCSR calculation and XXX lock confirmation was not in the loan file. | Received DCSR calculation and XXX lock confirmation | Satisified | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 47 months reserves after closing. |
| 9303135 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - XXX Comments: No Delinquencies in Mortgage History detailed housing history e.i 0x30x24 |
| 9365874 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The rental payment history for the most recent 12 months at the borrowers' current residence was not in the file. | Received VOR for the borrowers primary | Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - XXX Comments: Borrower has 3.9% revolving credit utilization.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: 17.39% DTI is below program max allowable of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 12 months reserves. |
| 9388844 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Documentation of the most recent 12 month payment history for the borrower's rental property in the XXX was not in the file. The lease was provided and the pay stubs shows the borrower receives a housing allowance. Based on the conversion charts in the file, it does not appear the allowance covers the entire rental payment. | (No Data) | Documentation provided verifying lease paid in full. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 797.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%. Max allowed LTV is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 57 months reserves |
| 9388844 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The business purpose and occupancy certification was not in the file. | (No Data) | Document provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 797.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%. Max allowed LTV is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 57 months reserves |
| 9388844 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The guidelines indicate all appraisals must be ordered through an XXX and if not but is XXX compliant it can be reviewed on an exception basis. Page 6 of the appraisal shows "no XXX" under the lender/client information. The file does not include an exception approval. | (No Data) | XXX waived | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid fico score is 797.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 75%. Max allowed LTV is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 57 months reserves |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Missing Credit report | Received credit report | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | The seller's DSCR calculated ratio/score result was not provided in the file. | Received DCSR calculation | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The articles of organization, tax ID, operating agreement, LLC borrowing certificate (if other members besides borrower) and certificate of good standing for XXX were not in the file. | Received articles of organization, tax ID, and good standing. XXX was formally known as XXX. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502138 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The guidelines indicate appraisal must be ordered through an XXX. If they are not, but are XXX compliant, they can be reviewed on an exception basis. Page 6 of the appraisal shows "no XXX ", but an exception approval was not in the file. | Received investor waiver for XXX appraisal vendor management XXX and their appraisal ordering process. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 37 months reserves. |
| 9502118 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party appraisal review to support value of $XXX. | Received CU 1 | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 35.00 months reserves. |
| 9502132 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The guides indicate all appraisals must be ordered through an XXX. If appraisal are not ordered through an XXXbut are XXX compliant can be reviewed on an exception basis. In this case, page 6 of the appraisal shows "no XXX" under the lender/client section. There was no an exception approval for this in the file. | Received waiver. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 7 months reserves. |
| 9555119 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | According to the XXX review letter all loans must adhere to to the core product matrices. A minimum DSCR of .80 is required per the core investor matrix. In this case, the loan has a DSCR of 0.778 which does not meet the guideline requirement. | DSCR recalculated and meets the XXX guidelines. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Borrower has a 813 credit score.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has 18 months reserves. |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Legal Documents | Waived B | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | No | Loan File is Missing or Contains Insufficient Documentation for Basic Review | (No Data) | The file includes an exception approval dated XXX for the loan amount of XXX | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70 months reserves |
| 9694017 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4631 | Loan parameters do not meet guidelines | No | The guidelines indicate under the bank statement program, XXX occurrences are allowed within the last 12 months, XXX occurrence is defined as the account having a negative daily balance for more than 24 hours and to avoid being treated as a XXX there should be no fee associated with resolving an overdraft. In this case, there were 5 XXX (XXX, XXX, XXX, XXX & XXX) occurrences. These did not result in a negative daily balance as the checks were returned but did result in an overdraft charge for each. An LOE was not in the file. | Received lox regarding XXX and negative daily balances. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 70 months reserves |
| 9694036 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 533.41 months reserves. |
| 9694057 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | The file was missing the PPP addendum to the note and the PPP rider to mortgage. Page 2 of the mortgage shows a prepayment rider included and the closing disclosure shows there is a PPP for 3 years. | Received PPP Addendum | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 75 months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV; maximum allowed is 75%. |
| 9694057 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The guaranty agreement was not in the file as required when loan is in the entity name. | Received Personal guaranty Agreement | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 75 months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV; maximum allowed is 75%. |
| 9694057 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Waived B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal shows it was not ordered through an XXX and there was no prior investor approval as required by the guidelines. XXX provided a blanket waiver for this issue. | XXX provided a blanket waiver for this issue. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 75 months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: 70% LTV; maximum allowed is 75%. |
| 9768901 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Waived B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX as required by the guidelines. XXX provided a blanket waiver for this issue. | XXX provided a blanket waiver for this issue. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 5 months of cash reserves. |
| 9768903 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The XXX lock was not in the loan file. | Received XXX lock | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrowers have 50 months reserves.<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: The LTV is 42.95 %. |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Verification of the most recent 12 month rental history was not in the file for the borrowers' primary residence. The file included the leases which shows the rent is paid in three installments (4 months each) with the most current lease showing payments to be made in XXX & XXX & XXX. The statements provided show the XXX (XXX through XXX) and the XXX (XXX through XXX) payments, but the XXX (XXX through XXX) and XXX payments were not in the file. | Received three installments (4 months each) | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | The file did not include the final insurance policy. The file included an insurance application/binder receipt. This document did not have the end date of the policy. | Received updated HOI policy with dates. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | Income/Employment | Satisfied D B | CRDINC2408 | Income verification does not meet guidelines | No | Co-Borrower previous employment was not verified in the file (XXX) and the XXX tax return was not signed by the borrowers. The current employer start date was XXX. | (No Data) | Post closing tax returns provided to cure. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | The borrower's are U.S. Citizens residing and working in XXX for the past 13 years. The XXX and XXX tax returns were provided with the XXX tax transcript; however, the XXX tax transcript was not in the file. | (No Data) | The file includes an XXX approval dated XXX for the missing XXX tax transcript. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4643 | Borrower does not meet guideline requirements | No | The borrowers ATR certification or the underwriter's attestation regarding the borrowers' ability to repay was not int he file. | Received borrower ATR | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4791 | Appraisal Deficiency #2 | No | The file was missing the third party appraisal review from an approved vendor and there was no CU/LCA reports reflecting a score of 2.5 or less. | Received CDA report. | Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768912 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The guides indicate the appraisal must be ordered through an XXX and if not but is XXX compliant can be review on an exception basis. The appraisal shows tit was not ordered through an XXX (page 6 of the appraisal) and there was no exception approval in the file. | Received investor waiver | Received investor waiver | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: 802 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 111 months reserves |
| 9768921 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - XXX Comments: 28.1 years current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score above minimum by 20 points or higher |
| 9807865 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt report dated 10 days prior to closing was not in the loan file. The fraud report shows no monitoring. | (No Data) | Refreshed credit report showing no new trades provided to cure. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 28 months reserves after closing.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 35.94% and below the guide max. |
| 9807865 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | The Ability to repay borrower or underwriter cert was not in the loan file. | Received u/w ATR | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: The borrower has 28 months reserves after closing.<br>CFCFS1744: DTI below guideline requirement<br> - XXX Comments: The DTI is 35.94% and below the guide max. |
| 9807870 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 97.33 months reserves.. |
| 9807871 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 103 months reserves<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - XXX Comments: no mortgage late payments in the last 36 months |
| 9846184 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: Guidelines require min score of 700. Mid representative fico score is 728.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Guidelines require 3 months reserves ($XXX). Total reserves calculated as $XXX(118 months).<br>CFCFS1737: LTV below guideline requirements<br> - XXX Comments: LTV is 67.01%. Max LTV is 75%. |
| 9846203 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 25.33 months reserves. |
| 9846218 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Appraisal | Waived B | PRVAAPPR4789 | Appraisal Deficiency | No | No XXX | (No Data) | Waived-XXX provided a blanket exception for this issue. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 62.79 months of cash reserves. |
| 9855571 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 41.89 months of cash reserves. |
| 9855600 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support appraised value. | Received CDA report. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 7.74 months reserves. |
| 9855600 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Waived C B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX (page 6 of the appraisal shows "No XXX"). The guide indicates if not ordered through an XXX but is XXX compliant it can be accepted with prior investor approval. An approval was not found in the file. | Received investor waiver | Received investor waiver | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has XXX or 7.74 months reserves. |
| 9855578 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Waived B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX as required by the guidelines. XXX provided a blanket waiver regarding this issue for XXX. | XXX provided a blanket waiver for this issue. | Waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: 4 months reserves<br>CFCFS1736: Significant time at current residence<br> - XXX Comments: 9.3 years current residence |
| 9895744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Assets | Satisfied D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The XXX business bank account #XXX (XXX XXX XXX) was used for closing and reserves. Evidence the borrower has at least 50% ownership in the business and access letters from other owners (if any) were not in the file. | Received access letter | Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 5.5 years current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher |
| 9895744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Credit/Mtg History | Satisfied D A | CRDCRMH189 | Missing credit report | No | Credit report was not in the file. | Received credit report | Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 5.5 years current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher |
| 9895744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | The articles of organization, operating agreement, certificate of good standing and tax ID were not in the file for XXX since the subject is vested in this entity. | Received business entity docs. | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 5.5 years current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher |
| 9895744 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Property Valuations | Appraisal | Waived B | PRVAAPPR4789 | Appraisal Deficiency | No | The appraisal was not ordered through an XXX as required by the guidelines. XXX provided a blanket waiver for XXX on this issue. | XXX provided a blanket waiver for this issue. | Waived | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - XXX Comments: 5.5 years current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher |
| 9895776 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: Borrower has $XXX or 17.51 months reserves. |
| 9917874 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | The borrower lives rent free with girlfriend which is not eligible and may only be considered on an exception basis. | The file includes an XXX approval dated XXX for this issue. | Waived | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - XXX Comments: 32.9 years in same line of work/profession<br>CFCFS1741: Credit score exceeds guidelines<br> - XXX Comments: FICO score above minimum by 20 points or higher<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - XXX Comments: PITIA reserves above minimum by 6 months or higher |

---

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM3** |
| **Start - End Dates:** | **12/9/2024 - 2/11/2026** |
| **Deal Loan Count:** | **82** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *82* |
| ***Loans with Conditions:*** | *41* |

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---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 10104156 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10104171 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9104566 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9104626 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9137804 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026384 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 10026385 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10026390 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896413 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9896446 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9896421 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896345 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9896412 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 10026425 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9896329 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026429 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026447 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9896430 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 10026495 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 10026496 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026497 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026499 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026505 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026513 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026536 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026553 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026572 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 10026583 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 10026598 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 10026611 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026623 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 10026624 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 10026627 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026629 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10026632 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 10026644 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10110761 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10110764 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 10110798 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 8999008 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9067368 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9101469 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9101337 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9246633 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 9362354 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9362315 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9243455 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9613766 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9613778 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9694028 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9694043 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 9694055 | XXXXXX | XXXXXX D B A C | A | A D B C | A | A | No |
| 9917880 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 9896323 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9226530 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9243468 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 9303135 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 9365874 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9388844 | XXXXXX | XXXXXX D B A C | A | A D B C | A | A | No |
| 9502138 | XXXXXX | XXXXXX D B A C | N/A | N/A D B C | N/A | N/A | Not Applicable |
| 9502118 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Yes |
| 9502132 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Not Applicable |
| 9555119 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 9694017 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 9694036 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9694057 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9768901 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 9768903 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 9768912 | XXXXXX | XXXXXX D B C | A | A D B C | A | A | No |
| 9768921 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9807865 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 9807870 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9807871 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9846184 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9846203 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 9846218 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 9855571 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 9855600 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9855578 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 9895744 | XXXXXX | XXXXXX D B A | N/A | N/A D B | N/A | N/A | Not Applicable |
| 9895776 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 9917874 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |

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## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 3 - Loan Level Tape Compare Report**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2026-NQM3 |
| **Start - End Dates:** | 12/09/2024 - 12/11/2026 |
| **Deal Loan Count:** | 82 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *27* |

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---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 9243455 | XXXXXX | Property State | XXXXXX | XXXXXX |
| 9243455 | XXXXXX | Property Type | 2 Family | SFR |
| 9613766 | XXXXXX | Debt to Income Ratio (Back) | 40.0000 | 21.9883 |
| 9613766 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9613778 | XXXXXX | Debt to Income Ratio (Back) | 27.0000 | 21.1679 |
| 9613778 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9694043 | XXXXXX | Debt to Income Ratio (Back) | 45.0000 | 35.6808 |
| 9694043 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9694055 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9917880 | XXXXXX | Debt to Income Ratio (Back) | 40.0000 | 3.7521 |
| 9226530 | XXXXXX | Debt to Income Ratio (Back) | 16.2400 | 25.9181 |
| 9243468 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9365874 | XXXXXX | Debt to Income Ratio (Back) | 43.0000 | 17.7484 |
| 9365874 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 9388844 | XXXXXX | Debt to Income Ratio (Back) | 13.5900 | 25.5865 |
| 9502118 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| 9555119 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 9694017 | XXXXXX | Debt to Income Ratio (Back) | 31.2300 | 37.8621 |
| 9694017 | XXXXXX | Note Rate | 7.5 | 7.4900 |
| 9694017 | XXXXXX | Original LTV | 57.14 | 64.31 |
| 9768901 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 9768903 | XXXXXX | Debt to Income Ratio (Back) | 37.7400 | 42.1051 |
| 9768903 | XXXXXX | Documentation Type | 24 Full Doc | Full Doc |
| 9768903 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 9768912 | XXXXXX | Representative Credit Score for Grading | 760 | 802 |
| 9807865 | XXXXXX | Rate Lock Date | XXXXXX | XXXXXX |
| 9846184 | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| 9846203 | XXXXXX | Documentation Type | 12 Month BS | DSCR |
| 9855600 | XXXXXX | Property Type | 2 Family | 4 Family |
| 9855578 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| 9895776 | XXXXXX | Debt to Income Ratio (Back) | 49.8100 | 38.2846 |
| 9104566 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026384 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026384 | XXXXXX | Months Reserves | 11.00 | XXXXXX |
| 10026384 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026385 | XXXXXX | Borrower 1 Total Income | 14459.32 | XXXXXX |
| 10026385 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026385 | XXXXXX | Combined LTV | 77.22 | XXXXXX |
| 10026385 | XXXXXX | Debt to Income Ratio (Back) | 40.3460 | XXXXXX |
| 10026385 | XXXXXX | Months Reserves | 4.00 | XXXXXX |
| 10026385 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026385 | XXXXXX | Total Monthly Income | 14459.32 | XXXXXX |
| 10026390 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026390 | XXXXXX | Months Reserves | 10.00 | XXXXXX |
| 10026390 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Months Reserves | '-1.00 | XXXXXX |
| 9896413 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9896413 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896446 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896446 | XXXXXX | Combined LTV | 75.41 | 80.00 |
| 9896446 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896421 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896421 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9896421 | XXXXXX | Months Reserves | 22.00 | 11.02 |
| 9896421 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896345 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896345 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 9896345 | XXXXXX | Months Reserves | 6.00 | 2.93 |
| 9896345 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896412 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896412 | XXXXXX | Months Reserves | 174.00 | 76.83 |
| 9896412 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026425 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 10026425 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 9896329 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896329 | XXXXXX | Combined LTV | 76.52 | 80.00 |
| 9896329 | XXXXXX | Months Reserves | 77.00 | 17.26 |
| 9896329 | XXXXXX | Property Type | SFR | SFR-Attached |
| 9896329 | XXXXXX | Representative Credit Score for Grading | 782 | 802 |
| 9896329 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026429 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026429 | XXXXXX | Months Reserves | 103.00 | 12.50 |
| 10026429 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026447 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Borrower 1 Total Income | 17278.30 | 18514.88 |
| 9896430 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Combined LTV | 56.22 | 68.29 |
| 9896430 | XXXXXX | Debt to Income Ratio (Back) | 47.2850 | 31.5209 |
| 9896430 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Months Reserves | 61.00 | 1.08 |
| 9896430 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9896430 | XXXXXX | Total Monthly Income | 17278.30 | 18514.88 |
| 10026495 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026497 | XXXXXX | Number of Units | 2 | 1 |
| 10026497 | XXXXXX | Property Type | 2 Family | SFR |
| 10026497 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026499 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026505 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026505 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 10026505 | XXXXXX | Months Reserves | 27.00 | 118.88 |
| 10026505 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 10026505 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026536 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026553 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026553 | XXXXXX | Months Reserves | 3.00 | 13.86 |
| 10026572 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026572 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026583 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10026583 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026598 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026598 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10026611 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026611 | XXXXXX | Combined LTV | 74.35 | 80.00 |
| 10026611 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10026611 | XXXXXX | Months Reserves | 41.00 | 6.85 |
| 10026611 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026623 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| 10026623 | XXXXXX | Borrower 1 Total Income | 49824.38 | 0.00 |
| 10026623 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026623 | XXXXXX | Debt to Income Ratio (Back) | 14.5230 | 20.2451 |
| 10026623 | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| 10026623 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026623 | XXXXXX | Total Monthly Income | 49824.38 | 50756.61 |
| 10026624 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 10026624 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10026624 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 10026624 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 10026624 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026627 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026627 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 10026627 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10026627 | XXXXXX | Months Reserves | 4.00 | 33.47 |
| 10026627 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026629 | XXXXXX | Cash Reserves | XXXXXX | XXXXXX |
| 10026629 | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| 10026629 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10026629 | XXXXXX | Months Reserves | 4.00 | 45.97 |
| 10026629 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 10026629 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026632 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026644 | XXXXXX | Borrower 1 Total Income | 10509.37 | 10344.94 |
| 10026644 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10026644 | XXXXXX | Total Monthly Income | 10509.37 | 10344.94 |
| 10110761 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 10110761 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10110764 | XXXXXX | Borrower 1 Total Income | 51058.17 | 51058.42 |
| 10110764 | XXXXXX | Total Monthly Income | 51058.17 | 51058.42 |
| 10110798 | XXXXXX | Borrower 1 Total Income | 80500.89 | 80861.41 |
| 10110798 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 10110798 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10110798 | XXXXXX | Total Monthly Income | 80500.89 | 80861.41 |
| 8999008 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 9101469 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9246633 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 9246633 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9362315 | XXXXXX | Property Type | SFR-Attached | SFR |
| 9362315 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 10104156 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 10104156 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| 10104171 | XXXXXX | Property City | XXXXXX | XXXXXX |
| 10104171 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 10104171 | XXXXXX | Property Zip | XXXXXX | XXXXXX |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 4 - Rating Agency ATR QM Report**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MSRM 2026-NQM3** |
| **Start - End Dates:** | **12/9/2024 - 2/11/2026** |
| **Deal Loan Count:** | **82** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *82* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 10104156 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 51150 | XXXXXX | 7.2214 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | No | 0 |
| 10104171 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9104566 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9104626 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9137804 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026384 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 19564.4 | XXXXXX | 7.1579 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 10026385 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14034.7 | XXXXXX | 7.3121 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10026390 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 21507.95 | XXXXXX | 6.6772 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9896413 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896446 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896421 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7539 | XXXXXX | 7.2536 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9896345 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896412 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 10026425 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9896329 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026429 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026447 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896430 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9095 | XXXXXX | 6.7981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10026495 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026496 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026497 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026499 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026505 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026513 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026536 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026553 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9375 | XXXXXX | 6.645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10026572 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026583 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5034.2 | XXXXXX | 6.8178 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10026598 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 10026611 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026623 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026624 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026627 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10590 | XXXXXX | 7.9235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10026629 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9901 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10026632 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 10026644 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10419.4 | XXXXXX | 7.7367 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 5684.91 |
| 10110761 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12331.43 | XXXXXX | 7.7577 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 10110764 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 10110798 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 21855 | XXXXXX | 6.6562 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 8999008 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 35032.5 | XXXXXX | 8.0942 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9067368 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9101469 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 9101337 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5338.38 | XXXXXX | 9.1059 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9246633 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7594 | XXXXXX | 9.1725 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9362354 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9362315 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9243455 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9613766 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9613778 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694028 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9694043 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694055 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9917880 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9896323 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9226530 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17175 | XXXXXX | 7.2073 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 9243468 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9303135 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.3141 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9365874 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 915 | XXXXXX | 7.1366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 33882.55 |
| 9388844 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9502138 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9502118 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9502132 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9555119 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694017 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694036 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9694057 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9768901 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9768903 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4295 | XXXXXX | 6.9329 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9768912 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5450.13 | XXXXXX | 7.2617 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 9768921 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9807865 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 1790 | XXXXXX | 6.9839 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 1500 |
| 9807870 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9807871 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9846184 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9846203 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9846218 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8964 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9855571 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9855600 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9855578 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9895744 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 9895776 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9917874 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |

---

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## Exhibit 99.4

**Exhibit 99.4**

 **Schedule 5 - Valuation Summary Report**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MSRM 2026-NQM3 |
| **Start - End Dates:** | 12/9/2024 - 2/11/2026 |
| **Deal Loan Count:** | 82 |
| **Valuations Summary** |  |
| *Loans In Report:* | *82* |
| *Loans In Report:* |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *82* | *82* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 10104156 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 10104171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 9104566 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9104626 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9137804 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026384 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 10026385 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026390 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 9896413 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9896446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 9896421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9896345 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9896412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9896329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 10026429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026447 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9896430 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026495 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 10026496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 10026497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| 10026505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| 10026513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 10026536 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026572 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026583 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 10026598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10026611 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 10026623 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026624 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026627 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10026629 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 10026632 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10026644 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110761 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110764 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 10110798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 8999008 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9067368 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9101469 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| 9101337 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 9246633 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9362354 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |
| 9362315 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 9243455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9613766 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9613778 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9694028 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9694043 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9694055 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9917880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9896323 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| 9226530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9243468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9303135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9365874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9388844 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9502138 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9502118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9502132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9555119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9694017 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9694036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9694057 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 9768901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9768903 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 9768912 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9768921 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 9807865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9807870 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9807871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9846184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 9846203 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9846218 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 9855571 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| 9855600 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 9855578 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 9895744 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 9895776 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 9917874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

## Exhibit 99.4

**Exhibit 99.4**

**Schedule 6 - Waived Conditions Report**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | &nbsp;&nbsp;&nbsp;&nbsp;**MSRM 2026-NQM3** |
| **Start - End Dates:** | &nbsp;&nbsp;&nbsp;&nbsp;**12/09/2024 - 02/11/2026** |
| **Deal Loan Count:** | &nbsp;&nbsp;&nbsp;&nbsp;**82** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Ability to Repay/Qualified Mortgage | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | 1 |
| Credit | Legal Documents | CRDLGL988 | Loan File is Missing or Contains Insufficient Documentation for Basic Review | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER4238 | Business entity does not meet guidelines | 2 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR4789 | Appraisal Deficiency | 11 |
| **Total** |  |  |  | **18** |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**Exhibit 99.5**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates through a bulk purchase. The review included a total of 238 newly originated residential mortgage loans, in connection with the securitization identified as MSRM 2026-NQM3 (the "Securitization"). The Review was conducted from August 2025 through February 2026 on mortgage loans originated between February 2025 through January 2026.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month
sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve
the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay
the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized
representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cashout refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds of business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as
 required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the
 application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active and
 properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate,
 and consistent with other documents; Confirm collateral documents have been recorded
 or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition or
 better, or property requires cosmetic improvements (as defined by the appraiser) that
 do not affect habitability. Should an area of concern be identified with the condition
 of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guidance from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (238 loans in total):

Seven (7) loans had a Secondary Appraisal, thirty-six (36) loans had an AVM, and one hundred ten (110) loans had Desktop Reviews. In eleven (11) instances, loans had both an AVM and Desk Review(s). Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred thirty-eight (238) mortgage loans reviewed, sixty (60) unique mortgage loans (25.21% by loan count) had a total of eighty-seven (87) discrepancies across twelve (12) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;21.84% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;14.94% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;11 | &nbsp;&nbsp;12.64% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;10 | &nbsp;&nbsp;11.49% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;PITIA | &nbsp;&nbsp;9 | &nbsp;&nbsp;10.34% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.05% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.60% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.15% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**87** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 217 | $110711990.00 | 91.18% |
| Event Grade B | 21 | $20513246.00 | 8.82% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 238 | $107514357.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 230 | 96.64% |
| Event Grade B | 8 | 3.36% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 238 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 36 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 36 loans within the population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 36 loans within the population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 192 | 95.05% |
| Event Grade B | 10 | 4.95% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 202 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 234 | 98.32% |
| Event Grade B | 4 | 1.68% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 238 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception <br> Type | &nbsp;&nbsp;Exception Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;146 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Note Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud: Red Flag Variances are not properly addressed in the file | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Fraud Product | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Income - Bank Statements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document Missing | &nbsp;&nbsp;2 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Guideline Seasoning not Met | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;NQM Funding - B1 Gap Credit Report expired outside 30-days prior to consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Fraud alert is present on the credit report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Guarantor Identification Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Other Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Home Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Application Profile Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;NQM Funding - B2 Gap Credit Report expired outside 30-days prior to consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Insufficient Assets to Close | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Subject Property Lease - Missing or Defective | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**274** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Occupancy Not Allowed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income 2 Income Trend is Decreasing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Purchase is not considered to be an Arm's Length Transaction | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;121 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing evidence of rate lock | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Loan Originator NMLS Status is Unknown | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**253** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;6 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;188 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal Review - Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;File does not contain all required valuation documents | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Valuation product is deficient | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**204** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;1 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 1 - Due Diligence Standard Report (Set #1, 36 loans)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 9693758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/18/2025 | Resolved | XXX-3245 | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of XXX are less than minimum required of $XXX. Borrower short - XXX | XXX: Uploaded | 08/27/2025 | XXX: Received | 08/27/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 9693758 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/18/2025 | Resolved | XXX-3245 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XXX: Uploaded | 08/27/2025 | XXX: Uploaded | 08/27/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 9693801 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/08/2025 | Resolved | XXX-3319 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XXX: Uploaded | 09/17/2025 | XXX: Received | 09/17/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 9693828 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 09/22/2025 | Resolved | XXX-3342 | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located: XXX | XXX: Uploaded | 10/02/2025 | XXX: Received | 10/02/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 9389259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/16/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9389313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/06/2025 | Resolved | 18121899695 | Credit | Note Missing or Defective | Missing Prepayment Addendum. Closing Disclosure in file reflects there is a prepayment penalty. | XXX: Client provided the PPP note addendum after sending loan file | 10/06/2025 | XXX: Received PPP addendum | 10/06/2025 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 9389313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/18/2025 | Acknowledged | 18121899695 | Property | Ineligible Property | Pool House in subject condo project was deemed a safety deficiency and needs to be demolished and rebuilt | XXX: Exception Waiver in file | 12/18/2025 | XXX: Exception Waiver in file | 12/18/2025 | XXX months reserves, DSCR ratio XXX No derogatory trades B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 9695013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9695040 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/20/2025 | Resolved | 18228672118 | Credit | Note Missing or Defective | Missing Note and Prepayment Penalty Addendum | XXX: Note and PPP | 10/28/2025 | XXX: Received Note and PPP | 10/28/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 9695140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979388 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/05/2025 | Resolved | 10716288142 | Credit | Guarantor Identification Missing or Defective | Borrowers XXX Card expired XXX/XXX/XXX. Proof of renewal in file shows case is pending. Please provide proof that borrower is currently a legal resident. | XXX: Rescind in file | 12/09/2025 | XXX: Rescind in file | 12/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979445 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Acknowledged | 10687723210 | Credit | Excessive LTV Ratio | 80.00% LTV >XXX% Max LTV for Cash-out Refinance at XXX FICO | XXX: Exception Approval in file | 12/02/2025 | XXX: Exception Approval in file | 12/02/2025 | FICO XXX Experienced Investor, XXX mortgage history B A | N/A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 9979466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/04/2025 | Resolved | 10708915542 | Credit | Deed Missing or Defective | Conveyance Deed in file is unexecuted. Please provide an updated Conveyance Deed with signature. | XXX: Deed | 12/05/2025 | XXX: Received Deed | 12/05/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/08/2025 | Resolved | 10729135375 | Credit | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XXX: Received Conveyance Deed | 12/09/2025 | XXX: Received Conveyance Deed | 12/09/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084694 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/19/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084718 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/30/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084733 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/06/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | 10961497120 | Credit | Subject Property Lease - Missing or Defective | Missing valid lease for Unit A. The current lease expired XX/XX/XXXX and the lease agreement doesn't indicate it will automatically convert to month-to-month. Please provide an updated lease agreement. | XXX: Received explanation | 01/19/2026 | XXX: Received explanation based on State laws regarding term lease conversions to month-to-month upon expiration | 01/19/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/09/2026 | Resolved | 10961497120 | Credit | Excessive LTV Ratio | 71.25% LTV > XXX% Max LTV for a cash-out refinance when the property is vacant. | XXX: LOE uploaded | 01/16/2026 | XXX: LOE to support reason for vacancy uploaded | 01/16/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084777 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084818 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084829 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084849 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084852 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084869 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 12/29/2025 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084905 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/06/2026 | Resolved | 2512184186 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084945 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/06/2026 | Resolved | XXX-1 | Credit | No Findings | The loan meets all applicable guidelines. |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9857654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9502961 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 10/01/2025 | Resolved | XXX-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 2 - Rating Agency Grades Summary Report (Set #1, 36 loans)**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 9389259 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9389313 | XXXXX | $XXXXXX D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A B |
| 9502961 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9693758 | XXXXX | $XXXXXX C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9693801 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9693828 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9695013 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9695040 | XXXXX | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9695140 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9857654 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979388 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979403 | XXXXX | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9979405 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979445 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979451 | XXXXX | $XXXXXX B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| 9979466 | XXXXX | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9979469 | XXXXX | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 9979482 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979496 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979515 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979518 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979523 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 9979612 | XXXXX | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 10084694 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084718 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084733 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084739 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084777 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084818 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084829 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084849 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084852 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084855 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084869 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084905 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 10084945 | XXXXX | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 3 - Valuations Summary Report (Set #1, 36 loans)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **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** |
| 9389259 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 68.5 | 68.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | XXX |  |  | Eligible | 1 |  |
| 9389313 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 9502961 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 | $XXX | $XXX | -0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.02 | 0.88 | 0.12 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 1.4 |  |
| 9693758 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9693801 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9693828 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9695013 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 9695040 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 9695140 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 9857654 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 | $XXX | $XXX | 0.02 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.02 | 0.90 | 0.10 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 9979388 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979403 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979405 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 59.2 | 59.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 9979445 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 9979451 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979466 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 9979469 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979482 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979496 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 9979515 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979518 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 9979523 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9979612 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 71.3 | 71.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084694 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 51.6 | 51.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 10084718 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084733 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084739 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084777 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 10084818 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 45.9 | 45.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084829 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 9.9 | 9.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084849 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 10084852 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 10084855 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 10084869 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084905 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 63.1 | 63.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084945 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 4 - Data Compare Report (Set #1, 36 loans)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 9389259 | XXXXX | DSCR | XXX | XXX | $XXX Lease Rents / $XXX PITIA = XXX DSCR |
| 9979405 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX, including HOA |
| 9979466 | XXXXX | DSCR | XXX | XXX | $XXX Market rents / $XXX PITIA = XXX DSCR |
| 9979469 | XXXXX | DSCR | XXX | XXX | $XXX rent per 1007 / $XXX PITIA = XXX DSCR |
| 9979482 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX, including HOA |
| 9979496 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX |
| 10084694 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX |
| 10084694 | XXXXX | DSCR | XXX | XXX | $XXX market rent / $XXX PITIA = XXX DSCR |
| 10084739 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX |
| 10084829 | XXXXX | PITIA | XXX | XXX | Tape is only taking the P&I |
| 10084869 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX including HOA fees ($XXX/month) |
| 10084869 | XXXXX | Property Type | XXX | XXX | Property is a Townhouse |
| 10084905 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX |
| 10084945 | XXXXX | Interest Rate | XXX | XXX | Note reflects interest rate of XXX% |
| 10084945 | XXXXX | PITIA | XXX | XXX | PITIA is $XXX |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 5 - Property Supplemental Report (Set #1, 36 loans)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** | **CDFI Lender** | **Business Purpose** |
| 9389259 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9389313 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 9502961 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9693758 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | Fixed R30 |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | No | No | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No |  |  | Yes |
| 9693801 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 5/1 R30 |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No |  |  | Yes |
| 9693828 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 5/1 R30 |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No |  |  | Yes |
| 9695013 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9695040 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9695140 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857654 | XXXXX |  | XX/XX/XXXX | ATR/QM Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979388 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.03 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979403 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979405 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979445 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979451 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 9979466 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979469 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979482 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 1 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | No | XXX |  | Yes |
| 9979496 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979515 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979518 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979523 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979612 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084694 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084718 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084733 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084739 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 40 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084777 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.04 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084818 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084829 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084849 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084852 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084855 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084869 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084905 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084945 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  |  | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Complete | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | DSCR | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No | 0 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 0.05 | XXX | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 6 - Due Diligence Standard Report (Set #2, 202 loans)**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 9857552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 9857552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 9857552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 9857552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Acknowledged | XXX-3245 | Credit | Income 2 Income Trend is Decreasing | Income 2 Income Trend is Decreasing Borrower has decreasing tip income for his secondary employment at XXX. Guidelines, dated XX/XX/XXXX, require declining income sources to be closely reviewed to determine if the income may be used for qualifying. In file is a Lender exception to use the tip income with declining trend from 2022 to 2023 YTD. Compensating factors were listed as: high discretionary income and XXX years in current job. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 9857552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Acknowledged | XXX-3245 | Credit | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Lender exception in file for transaction being non arm's length. Borrower also is the Landlord's employee for his secondary employer. The income is less than XXX% of total income and needed to qualify. Lender approved the exception with compensating factors of: high discretionary income and XXX years in current job. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 9857552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2025 | Acknowledged | XXX-3245 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Guidelines, dated XX/XX/XXXX, require a VOR along with the most recent XXX months of cancelled checks or bank Statements or a copy of the lease along with XXX months of cancelled checks or bank Statements when Borrower is making rental payments to an individual or interested party. The loan file contained XXX private party VOR's. The Lender approved an exception to accept a private VOR without cancelled checks or bank Statements with compensating factors of: high discretionary income and XXX years in current job. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% A |
| 9389180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9389180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 09/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9389180 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 09/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9389155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9389155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9389155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 09/25/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9502882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required: Per the Privacy Notice disclosure, XXX. has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | Document Uploaded. | 10/09/2025 | Required Affiliated Business Disclosure Documentation Provided | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9502882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap Credit Report dated within XXX days of the Note date. | Document Uploaded. | 10/09/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing indicates no credit history changes. | 10/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9502882 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 09/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9502855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | XXX-3245 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lock in file reflects XXX Month Business Bank Statements, however verified XXX year full doc via Income Taxes. Missing final Lock for correct program lender used. | Document Uploaded. ; Document Uploaded. | 10/01/2025 | Income and Employment Meet Guidelines; An updated rate lock confirmation with the doc type as XXX yr full doc was received. ; XXX approval, lender income calculation worksheet and income documents in file (W2s, tax returns, WVOE) validates XXX year full documentation for income utilized. Lock confirmation provided indicates documentation type as XXX mo business bank Statements. An updated rate lock confirmation with correct doc type to match XXX approval, lender income calculation worksheet and income documents in file is missing. | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 09/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502855 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 09/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | XXX-3245 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary Title Report in file lists Schedule A coverage proposed amount of insurance as $XXX. | Document Uploaded. | 10/30/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title policy with loan amount of XXX was provided. | 11/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | XXX-3245 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing purchase contract addendum listing lower seller concessions of XXX to match final CD. Sales Contract in file lists concessions of XXX | Document Uploaded. Explanation of Seller Credit | 10/08/2025 | Purchase Contract Doc is complete.; Lender explanation received. Final CD and Settlement Statement indicate seller contribution of XXX | 11/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). The initial LE in file is dated XX/XX/XXXX, application date is XX/XX/XXXX; The file does not contain an LE and SSPL dated within XXX days of the application date | Should be clear with receipt of LE; Should clear with LE | 10/10/2025 | Initial CD received; exception resolved; Initial CD received; exception resolved; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 10/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Rescinded | XXX-3245 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for credit inquiries on XX/XX/XXXX, within XXX days of the Note date, as required by guidelines dated XX/XX/XXXX. | Document Uploaded. Client is asking if this is required based on their calculation to the inquiry being more than XXX days out. | 10/08/2025 | Inquiries on credit report are greater than XXX days of closing. LOX is not required. | 10/10/2025 | C A B |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXX-3245 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. The HOC in file is dated XX/XX/XXXX, application date is XX/XX/XXXX; The file does not contain an HOC dated within XXX days of the application date | The list is on page XXX of the package uploaded under the LE. | 10/08/2025 | initial package provided; exception resolved; initial package provided; exception resolved | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $ lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The initial LE in file is dated XX/XX/XXXX, application date is XX/XX/XXXX; The file does not contain an LE dated within XXX days of the application date | Should clear with initial LE | 10/08/2025 | initial package provided; exception resolved; initial package provided; exception resolved | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | XXX-3245 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. The initial LE in file is dated XX/XX/XXXX, application date is XX/XX/XXXX; The file does not contain an LE dated within XXX days of the application date | Document Uploaded. Page XXX has the LE | 10/08/2025 | initial package provided; exception resolved; initial package provided; exception resolved | 10/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502911 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a gap credit report dated within XXX days of the Note date. | Document Uploaded. | 10/08/2025 | Borrower 1 Gap Credit Report is not missing.; An undisclosed debt monitoring report dated within XXX days of closing was provided. | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 9502805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 9502805 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/07/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the most recent XXX months of cancelled checks or bank Statements for subject property housing payment history, as required by guidelines, dated XX/XX/XXXX, for Borrower making payments to a private party. In file is private party VOM only. | Document Uploaded. | 12/01/2025 | Housing History Meets Guideline Requirements; Lender provided VOM and guidelines reflecting DU may waive housing history requirement. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Guidelines, dated XX/XX/XXXX, require XXX months of reserves. Borrower only supplied XXX months of reserves. | Document Uploaded. | 12/01/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; Lender included Lock and DU submission XXX dated XXX-XXX-XXX. Pending review. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered ATR Risk: Guidelines, dated XX/XX/XXXX, require XXX months of reserves and Borrower only verified XXX months. | Document Uploaded. | 12/01/2025 | ATR: XXX Income or Assets Was Considered; Reserve condition being cleared due to DU with no reserve requirement as well as guides only require XXX months if CLTV is 80%. Loan closed at 52% CLTV. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Guidelines, dated XX/XX/XXXX, required XXX months of reserves, or $XXX. Borrower only provided XXX in reserves. | Document Uploaded. | 12/01/2025 | Per DU - No reserves. Per guides, <= XXX = XXX months PITIA w/LTV <= XXX% - Loan closed at 52% CLTV - No reserves required. ; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines, dated XX/XX/XXXX, required XXX months of reserves. Borrower only provided XXX months of reserves. | Document Uploaded. | 12/01/2025 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502853 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 51.7% is less than Guideline LTV of 80% A |
| 9502800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | XXX-3245 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. ; Document Uploaded. | 10/23/2025 | Third Party Fraud Report is provided; Fraud Report received indicates all participants were checked on the exclusionary list. ; Fraud Report shows several High Fraud alerts, fraud report does not indicate high fraud alerts were reviewed and cleared. Possible match found on SAM ov for co-borrower XXX, additional review was not provided. Missing evidence underwriter XXX, Appraiser XXX, XXX and XXX, and settlement agent XXX were screened through any exclusionary list. | 10/27/2025 | D A |
| 9502800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/12/2025 | D A |
| 9502800 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/12/2025 | D A |
| 9502826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the Gap credit report dated within XXX days of the Note date. | Document Uploaded. | 10/17/2025 | Borrower 1 Gap Credit Report is not missing.; Gap report provided | 10/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 9502826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 9502826 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% D A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 10/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 10/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 10/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Acknowledged | XXX-3245 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 85% exceeds Guideline CLTV of 80% Lender exception requested for 5% LTV. Approved XX/XX/XXXX by XXX/Lender UW |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Acknowledged | XXX-3245 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 85% exceeds Guideline HCLTV of 80% Lender exception requested for 5% LTV. Approved XX/XX/XXXX by XXX/Lender UW |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502888 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/10/2025 | Acknowledged | XXX-3245 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 85% exceeds Guideline LTV of 80% Lender exception requested for 5% LTV. Approved XX/XX/XXXX by XXX/Lender UW |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502903 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Lock and Tape loan Documentation Type is Bank Stmnts XXX Mo Personal. Income used to qualify is B1 XXX B2 Paystub/W2 with supporting documents for XXX year. XXX months bank Statements not utilized, verified by UW notes and income calculator. Lock clarification required. | Document Uploaded. | 10/28/2025 | Income and Employment Meet Guidelines; An updated rate lock confirmation with the doc type as XXX months was received. | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9502903 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. B1 rents, VOR in file from an individual (XXX) renting for XXX per month. XXX transaction summary in file reflects one payment labeled as Mortgage/Rent payable to XXX Management in the amount of XXX which does not match Landlord name on VOR XXX or amount of rent reported; XXX months cancelled checks or bank Statements required OR copy of lease along with XXX months cancelled checks or bank Statements per GL's. \*AND\* B2 Final 1003 reflects no primary housing expense for current address of XXX for XXX month and prior XXX for XXX years, verification of rent free status required to support XXX months housing history per GL's. | Document Uploaded. | 10/24/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Rent free letter provided for Borrower 2. LOX indicates VOR was completed for JMC Management, XXX is the XXX, verified the address on VOR thru link https://www mcmanagement om/. VOR indicates account is satisfactory. | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9502903 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Compliant |  |  | HPML compliant | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9502903 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9694996 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded | Hi there! - is there anything we need to resolve on this one? - Thx | 10/20/2025 |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694996 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. | Hi there! - is there anything we need to resolve on this one? - Thx | 10/20/2025 | Informational | 10/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694996 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. | Hi there! - is there anything we need to resolve on this one? - Thx | 10/20/2025 | Informational | 10/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9502814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Rescinded | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure | Document Uploaded. | 10/28/2025 | Lender attestation provided; Required Affiliated Business Disclosure Documentation Provided | 10/29/2025 | D A |
| 9502814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of a gap credit report dated within XXX days of the Note date. | Document Uploaded. | 10/20/2025 | Borrower 1 Gap Credit Report is not missing.; Credit refresh report dated within XXX days of closing indicates no credit history changes. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% A |
| 9502814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/16/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 10/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 75% A |
| 9695127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | HPML compliant | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9695127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Cured | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX from LE XX/XX/XXXX to CD XX/XX/XXXX for the appraisal fee. The COC Stated the change was due to appraisal invoice which is not a valid reason for increase. | Document Uploaded. Cure package attached, please review. | 10/27/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9695127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9695127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | XXX-3245 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. The documentation shows the borrower received a copy XX/XX/XXXX which does not meet the timing requirements. | Document Uploaded. ; Document Uploaded. The Note was dated and signed on the 14th and the proof of delivery was sent the 10th--- that is XXX days, more than XXX days prior. Thank you | 10/30/2025 | Evidence of appraisal delivery provided.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Appraisal was provided on XX/XX/XXXX however it was not at least XXX days prior to consummation | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Credit | Second Home Rider is Missing | Second Home Rider is Missing | Document Uploaded. | 10/28/2025 | The Second Home Rider is Present or XXX (Occupancy is Second Home); | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Missing sufficient assets to satisfy reserve requirement of XXX months. | Document Uploaded. The funds to close came out on XX/XX/XXXX for 100k and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and Oct bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/04/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement.; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Client provided PCCD and bank Statements. PCCD dated XX/XX/XXXX - Email sent to compliance for inclusion into LM. Bank Statements from XXX for business acct XXX dated XX/XX/XXXX and personal acct XXX dated XXX-XXX-XXX. ; Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. ; The required number of months reserves are to be seasoned does not meet Guideline requirement. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. | Document Uploaded. The funds to close came out on XX/XX/XXXX for 100k and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and Oct bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/04/2025 | Funds are found to meet guidelines.; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. ; When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered Missing sufficient assets to satisfy reserve requirement of XXX months. | Document Uploaded. The funds to close came out on XX/XX/XXXX for 100k and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and Oct bank Statement. Thank you ; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/04/2025 | ATR: XXX Income or Assets Was Considered; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Client provided PCCD and bank Statements. PCCD dated XX/XX/XXXX - Email sent to compliance for inclusion into LM. Bank Statements from XXX for business acct XXX dated XX/XX/XXXX and personal acct XXX dated XXX-XXX-XXX.; Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. | Document Uploaded. The funds to close came out on XX/XX/XXXX for 100k and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and Oct bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. | 12/04/2025 | Audited Reserves of $ are equal to or greater than AUS Required Reserves of $XXX.; The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Client provided PCCD and bank Statements. PCCD dated XX/XX/XXXX - Email sent to compliance for inclusion into LM. Bank Statements from XXX for business acct XXX dated XX/XX/XXXX and personal acct XXX dated XXX-XXX-XXX.; Verified assets of XXX ($XXX #XXX (XX/XX/XXXX) and $XXX#XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Missing sufficient assets to satisfy reserve requirement of XXX months. | Document Uploaded. The funds to close came out on XX/XX/XXXX for 100k and XX/XX/XXXX and XX/XX/XXXX for XXX The loan closed on XX/XX/XXXX with an ending balance of XXX. which gives us plenty of reserves. Here is the new XXX 1003 and Oct bank Statement. Thank you; Document Uploaded. Please see attached PCCD that shows the final cash to close and the bank Statements to support that we have plenty to cover reserves/assets. Thank you!; Document Uploaded. XXX months reserves equate to XXX this WF Statement has more than enough to cover the XXX months reserves. Thank you! | 12/04/2025 | Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); The Post close CD provided indicate funds to close of XXX (XXX +XXX). Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close of XXX as per the post close CD and XXX-months reserves of $XXX. Assets verified are short by XXX for funds to close and reserves. ; Verified assets of XXX ($XXX #XXX and $XXX#XXX) are not sufficient for funds to close per final CD of XXX and XXX months reserves of $XXX. Assets are short by XXX for funds to close and reserves. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | XXX-3245 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the LC on CD XX/XX/XXXX to Final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. | 10/24/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/21/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Loan Discount points from CD XX/XX/XXXX to Final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. | 10/24/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/22/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML comliant | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML comliant; Cleared | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694983 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML comliant; Cleared | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | hPML compliant; Cleared | 10/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | hPML compliant; Cleared | 10/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694949 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | hPML compliant; Cleared | 10/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/23/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML downgraded |  |  | hPML compliant | 10/25/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9694988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | hPML compliant; Cleared | 10/25/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9694988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/24/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | hPML compliant; Cleared | 10/25/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9695108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695108 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Unable to compare final loan terms, please provide the final XXX and/or lender loan approval. | Document Uploaded. ; Document Uploaded. | 11/05/2025 | Approval/Underwriting Summary is fully present; A XXX loan approval with income and DTI was provided. ; XXX approval does not reflect the income used and the qualifying DTI ratios used by the lender. | 11/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | ; HPML compliant | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Cured | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in title fees from Initial LE to Final CD. Fees were testing as XXX% tolerance due to missing Service provider list. Providing SPL may cure the exceptions, additional testing will be completed once received. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 11/13/2025 | Cure package provided, exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase in recording fees without a valid COC; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; COC provided is not sufficient. Fees were testing as XXX% tolerance due to missing Service provider list. Providing SPL may cure the exceptions, additional testing will be completed once received. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing evidence of gift funds transfer to the closing agent, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 11/04/2025 | Asset Qualification Meets Guideline Requirements; A copy of the cashier's check for gift funds from donor to the title company was provided. | 11/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | XXX-3245 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Please provide Homeownership Counseling Disclosure within XXX days of application date XX/XX/XXXX. | Document Uploaded. | 11/04/2025 | Homeownership Counseling Disclosure Is Present or XXX | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | XXX-3245 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Please provide Intent to Proceed Document | Document Uploaded. | 11/04/2025 | Proof of Intent to Proceed has been provided. | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/27/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 11/04/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9695063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Cured | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $XXX. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower or Valid COC. The Zero tolerance violation is due to the increase of the Appraisal Fee on the Initial CD dated XXX and no COC was found in the file explaining the reason for the increase. Please provide a Valid COC or Cure package | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 12/03/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; The cure package was missing a copy of the check; Will downgraded upon receipt of the copy of the refund check; receipt of an invoice is not a valid COC and the timing would be outside the XXX days | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Rescinded | XXX-3245 | Compliance | XXX Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Per Diem Disclosure found in the file and borrower opted to disburse on a Monday. Exception rescinded Per Diem Disclosure found in the file and borrower opted to disburse on a Monday. Exception rescinded |  |  |  | 12/03/2025 | C B A |
| 9695063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required: Refund in the amount of $XXX. Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower or Valid COC. The Lender Credit violation is due to the decrease in Lender Credit on the Initial CD dated XXX and no COC was found in the file explaining the reason for the decrease. Please provide a Valid COC or Cure package | Document Uploaded. | 11/14/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX | Document Uploaded. | 11/04/2025 | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided; A Post close CD indicates the disbursement date as XX/XX/XXXX. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9694952 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 10/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Per the Guidelines XXX Months Reserves in the amount of XXX are required. The assets Verify XXX in available reserves. | Document Uploaded. ; Document Uploaded. | 11/21/2025 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; The lock confirmation indicates the program as Corr Flex Select. Lock confirmation does not indicate the DU Express option can be utilized. Condition remains. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Per the Guidelines XXX Months Reserves are required. The assets in the file Verify XXX months. | Document Uploaded. ; Document Uploaded. | 11/21/2025 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); The lock confirmation indicates the program as Corr Flex Select. Lock confirmation does not indicate the DU Express option can be utilized. Condition remains. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/28/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9694995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXX-3245 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file contains a Letter of Explanation from the Borrower about the property at XXX. The Letter of Explanation States the Borrower owns the property and his brother resides in the property rent free. Please provide a mortgage Statement, taxes, insurance, and/or HOA fees for the property located at XXX | This is a commercial property, paid for by the business not borrower. Please advise, thank you! | 11/05/2025 | This is a commercial property. Property details dated XX/XX/XXXX page XXX reflects commercial property with commercial loan. Property is mixed-use and paid by business. ; Lender States - "This is a commercial property, paid for by the business not borrower. Please advise, thank you!" No documents provided. | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cure required: Right to cancel was signed by the borrower on XX/XX/XXXX however the expiration of the right to chancel is noted as XX/XX/XXXX. Disbursement occurred XX/XX/XXXX per HUD1 Settlement Statement in the loan file. Cure requires certified HUD1 Settlement Statement confirming disbursement date or re-opening of rescission, PCCD, LOE< and copy of RTC with new XXX day rescission period. | Document Uploaded. | 11/03/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML compliant - Appraisal requirement met. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof Of Delivery or Valid COC. The tolerance is due to increased Broker Fee from LE XX/XX/XXXX to CD XX/XX/XXXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 11/03/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant - Appraisal requirement met. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694995 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/30/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Cured | XXX-3245 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in Tax Service Fee. Cure requires PCCD, LOE, copy of refund check, or valid COC. COC provided insufficient for increase as it does not indicate why the fee increased. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | 11/13/2025 | Cure package provided, exception downgraded to a 2/B; Cure package provided, exception downgraded to a 2/B; provide clarification of the reason for the increase in tax service fee. The COC does not give a valid reason | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Cured | XXX-3245 | Compliance | Incorrect rescission model used - RTC form model H-XXX used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear: Subject is a c/o refinance of primary residence originated with original lender. An H9 should be utilized as there is new money involved. Cure requires re-opening of rescission, PCCD, LOE, and proof of delivery. | Document Uploaded. ; Documents received and uploaded for review.; Document Uploaded. | 12/05/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; While the PCCD corrected the disbursement issue- the right to cancel provided was an H8, however should have been an H9. Per the title commitment, the prior lender was OCMBC and remains the current lender of the new loan (also new money is involved). Cure requires the re-opening of rescission, providing the correct Form H9, LOE, and proof of delivery.; Document Uploaded. ; Cure required re-opening of rescission with the correct form, PCCD, LOE, and proof of delivery, however only the PCCD was provided. | 12/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | XXX-3245 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required to Cure: Right to cancel was signed by the borrower on XX/XX/XXXX but the expiration date shown on the form is XX/XX/XXXX. Disbursement happened on XX/XX/XXXX, therefore the borrower did not receive XXX days to cancel. In order cure, rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required. | Documents received.; Document Uploaded. | 11/17/2025 | Client provided an email confirming that disbursement was actually on XX/XX/XXXX (drying funding State of XXX) and attached an updated PCCD to reflect the correct date that disbursement occurred. Exception resolved.; Client provided an email confirming that disbursement was actually on XX/XX/XXXX (drying funding State of XXX) and attached an updated PCCD to reflect the correct date that disbursement occurred. Exception resolved.; Document Uploaded. ; Cure required re-opening of rescission with the correct form, PCCD, LOE, and proof of delivery, however only the PCCD was provided. | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9694993 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Acknowledged | XXX-3245 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Review product XXX >XXX% variance. Review product XXX supports appraised value. Property rating downgraded. | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Rescinded | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | ; HPML compliant; Cleared | 01/08/2026 | A B |
| 9857451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857451 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Credit | XXX - B1 Gap Credit Report expired outside XXX-days prior to consummation | The Gap Credit Report pull date (XXX-XXX-XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date (XXX-XXX-XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap Credit report in the file for the borrowers expired prior to closing. Auditor is not sure if the credit reports with a completed date of XX/XX/XXXX will suffice if not the lender must provided an updated Gap Report good through closing. | Document Uploaded. | 11/19/2025 | Gap Credit Report pull date is inside XXX-days of consummation date.; Credit refresh report dated within XXX days of closing was received. | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9857575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Credit | XXX - B2 Gap Credit Report expired outside XXX-days prior to consummation | The Gap Credit Report pull date: (XXX-XXX-XXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XXX-XXX-XXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap Credit report in the file for the borrowers expired prior to closing. Auditor is not sure if the credit reports with a completed date of XX/XX/XXXX will suffice if not the lender must provided an updated Gap Report good through closing. | uploaded | 11/19/2025 | Gap Credit Report pull date is inside XXX-days of consummation date.; Credit refresh report dated within XXX days of closing was received. | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9857575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Clear | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9857575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Clear | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9857426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Acknowledged | XXX-3245 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception provided for 75% LTV. Compensating factors: High discretionary income, XXX years in current job, FICO XXX points greater than program requirement, VOM XXX. | Document Uploaded. | 11/12/2025 | Received approved lender exception request: 75% LTV with loan amount. Compensating factors; FICO XXX points greater than program requirement; High discretionary income; XXX years in current job; VOR/VOM XXX; good reserves, job stability and credit. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Acknowledged | XXX-3245 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 75% exceeds Guideline HCLTV of 70% Lender exception provided for 75% LTV. Compensating factors: High discretionary income, XXX years in current job, FICO XXX points greater than program requirement, VOM XXX. | Document Uploaded. | 11/12/2025 | Received approved lender exception request: 75% LTV with loan amount. Compensating factors; FICO XXX points greater than program requirement; High discretionary income; XXX years in current job; VOR/VOM XXX; good reserves, job stability and credit. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Acknowledged | XXX-3245 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender exception provided for 75% LTV. Compensating factors: High discretionary income, XXX years in current job, FICO XXX points greater than program requirement, VOM XXX. | Document Uploaded. | 11/12/2025 | Received approved lender exception request: 75% LTV with loan amount. Compensating factors; FICO XXX points greater than program requirement; High discretionary income; XXX years in current job; VOR/VOM XXX; good reserves, job stability and credit. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857426 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/12/2025 | Evidence of eConsent is provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | Document Uploaded. | 11/13/2025 | Evidence of eConsent is provided.; E-consent received | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Compliant |  |  | HPML compliant | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Credit | Fraud alert is present on the credit report | Fraud Alert disclosed on borrower's credit report dated XX/XX/XXXX. Fraud alert was not addressed by lender. | Document Uploaded. | 11/17/2025 | Processor certification provided indicates lender verified the identity of borrower before granting credit. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857421 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML Compliant | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML Compliant | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Cured | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | TILA 130B cure required; Cure package requires PCCD, LOE, copy of check and proof of delivery. Cure amount $XXX. Title fees are paid to the provider on the SSPL and the title insurance insurance increased without a valid COC in file This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. ; Based on calculation closer is coming up with a cure: $XXX. Total disclosed on LE was XXX & total charged in final CD was XXX $XXX+XXX%=$XXX. Cure of $XXX. Please review and confirm we are in agreement and I will proceed with cure. Thank you. | 11/24/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; Recording fees are included in the XXX% calculation: XXX + XXX = XXX + XXX% = $XXX. Amount charged XXX (Section C + recording fees). XXX = Total cure amount XXX | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The subject property is "subject to" be finished, no lighting currently, meter box is not in, solar not installed. A 1004D Completion report must be provided verifying the conditions on the property have been completed. | Document Uploaded. | 11/18/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or XXX; 1004D Appraisal update/completion report received indicates all items have been completed. | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/17/2025 | Evidence of eConsent is provided. | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline LTV of 80% A |
| 9857522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline LTV of 80% A |
| 9857522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.06% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.06% is less than Guideline LTV of 80% A |
| 9857599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Compliance | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 11/17/2025 | Required Affiliated Business Disclosure Documentation Provided; Received ABA | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9857628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPMLcompliant; Cleared | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9857628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPMLcompliant; Cleared | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 9857530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. Missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 11/14/2025 | Evidence of eConsent is provided. | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.35% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.35% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. | 11/14/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title commitment with a loan amount of XXX was received. | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.35% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.35% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPMLcompliant; Cleared | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.35% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.35% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/11/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | Document Uploaded. | 11/17/2025 | Evidence of eConsent is provided.; Received E-consent | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | Document Uploaded. | 11/18/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation no affiliates | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Missing gap credit report, dated within XXX days of the Note date, as required by guidelines, dated XX/XX/XXXX. | Document Uploaded. | 11/20/2025 | Borrower 1 Gap Credit Report is not missing.; Gap report | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857468 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Rescinded | XXX-3245 | Compliance | Loan Originator NMLS Status is Unknown | Loan Originator NMLS Status is Unknown. | Document Uploaded. | 12/01/2025 |  |  | C A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXX-3245 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation Required: The file is missing the Initial CD dated XXX days prior to closing | Document Uploaded. | 12/01/2025 | Client provided copy of Initial CD dated XX/XX/XXXX with proof of delivery for testing. Exception resolved; Client provided copy of Initial CD dated XX/XX/XXXX with proof of delivery for testing. Exception resolved | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXX-3245 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation Required: The file is missing the Homeownership Counseling Disclosure dated within XXX days of the application | Document Uploaded. | 12/01/2025 | Client provided copy of Homeownership Counseling Organizations Disclosure dated XX/XX/XXXX for testing; exception resolved.; Client provided copy of Homeownership Counseling Organizations Disclosure dated XX/XX/XXXX for testing; exception resolved. | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required Refund in the amount of XXX The file is missing the Initial and subsequent LE's also the Initial CD. Also missing the SSPL which may clear the conditions. | Document Uploaded. | 12/01/2025 | Client provided copy of Initial CD dated XX/XX/XXXX with proof of delivery for testing. Exception resolved; Client provided copy of Initial CD dated XX/XX/XXXX with proof of delivery for testing. Exception resolved | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | XXX-3245 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation Required: The file is missing the Initial LE dated within XXX days of application. | Document Uploaded. | 12/01/2025 | Client provided copy of Initial LE dated XX/XX/XXXX. Exception resolved; Client provided copy of Initial LE dated XX/XX/XXXX. Exception resolved | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.66% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.66% is less than Guideline CLTV of 80% A |
| 9857594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.66% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.66% is less than Guideline CLTV of 80% A |
| 9857594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.66% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.66% is less than Guideline CLTV of 80% A |
| 9857444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | HPML compliant | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase on the final CD dated XX/XX/XXXX from the initial LE dated XX/XX/XXXX as follows: XXX to XXX for the title policy and XXX to XXX for the notary fee. The loan file is missing the SSPL. | Document Uploaded. ; Document Uploaded. | 12/03/2025 | SSPL provided; exception resolved; SSPL provided; exception resolved; The loan file is missing the SSPL therefore all title fees in section C are included in the XXX% tolerance calculation; The loan file is missing the SSPL therefore all title fees in section C are included in the XXX% tolerance calculation | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. ; Document Uploaded. | 12/01/2025 | Homeownership Counseling Disclosure Is Present or XXX; Homeownership Counseling Disclosure Is Missing Disclosure tracking shows the HOC was provided to the borrower, however a copy of the document was not provided to confirm it is compliant. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 11/24/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857403 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857425 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857409 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Per the Final 1003, the Borrower is a non-XXX, the file does not contain any evidence of the Borrower's social Security Number, ITIN, or residency documents. | Document Uploaded. | 11/21/2025 | Borrower Identification Document provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857416 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 11/21/2025 | Evidence of eConsent is provided. | 11/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.01% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.01% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.01% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.01% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/19/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.01% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.01% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Rescinded | XXX-3245 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing The property is a XXX and the file does not contain a copy of the HOA questionnaire. | This is a XXX condo, and we do not require an HOA questionnaire. | 11/25/2025 |  |  | B A |
| 9857441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857441 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Acknowledged | XXX-3245 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The Subject property is a studio, per the Guidelines the property must have a separate bedroom. Compensating Factors include: XXX months reserves greater than program requirements, FICO above the minimum by XXX Points or higher, DTI > than XXX% below program requirements. Exception approved by XXX on XX/XX/XXXX. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 12/18/2025 | Revised LE provided with valid COC provided, Exception resolved; File doesnt contain the LE dated XX/XX/XXXX that was indicated in the response. Please provide a copy for review; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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).; Updated cure amount to $XXX. Loan program fee added on the revised LE dated XX/XX/XXXX without a valid COC in file; Cure amount of XXX required due to the addition of the Loan program fee for XXX and the appraisal re-inspection fee added on the initial CD without a valid COC; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | Document Uploaded. | 12/01/2025 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. According to Compliance report and 1003, initial Loan application date is XX/XX/XXXX. Initial LE is dated XX/XX/XXXX which exceeds the timing regulation. A cure requires documentation to show the lender was closed on XX/XX/XXXX for substantially all of its business and the application was taken after noon on XX/XX/XXXX to meet the XXX day requirement. | Document Uploaded. | 12/01/2025 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required to clear exception. According to Compliance report and 1003, initial Loan application date is XX/XX/XXXX. Homeownership counseling organization disclosure is dated XX/XX/XXXX which exceeds the timing regulation. Documentation to show the lender was closed on XX/XX/XXXX for substantially all of its business and the application was taken after noon on XX/XX/XXXX to meet the XXX day requirement is required to clear the exception. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. | Document Uploaded. | 12/01/2025 | Initial HOC provided; exception resolved | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The provided Fannie Mae UCDP collateral score is XXX and the file does not contain a third party valuation product. | Document Uploaded. | 12/04/2025 | Third party valuation product provided within tolerance.; CDA received. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | HPML compliant | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 12/01/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the gap credit report dated within XXX days of the note date. | Document Uploaded. Page XXX | 12/03/2025 | Borrower 1 Gap Credit Report is not missing.; Client provided fraud report reflecting undisclosed debts. Resolved. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing The file does not contain a copy of the gap credit report dated within XXX days of the note date. | Document Uploaded. page XXX | 12/03/2025 | Borrower 2 Gap Credit Report is not missing.; Client provided fraud report reflecting undisclosed debts. Resolved. | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857418 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXX-3245 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Provide Third Party Fraud report with all high alerts cleared | Document Uploaded. | 12/02/2025 | Third Party Fraud Report is provided; Client provided fraud report dated XX/XX/XXXX. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | XXX-3245 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Lender approved exception was documented in file for 5% LTV exception to XXX% for a rural investment property using the following compensating factors: XXX credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | XXX-3245 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender approved exception was documented in file for 5% HCLTV exception to XXX% for a rural investment property using the following compensating factors: XXX credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Acknowledged | XXX-3245 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender approved exception was documented in file for 5% CLTV exception to XXX% for a rural investment property using the following compensating factors: XXX credit history, appraised value and AVM exceeds purchase price, DTI > XXX% below program requirement and XXX months mortgage history. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/25/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | XXX-3245 | Credit | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing The file does not contain a copy of the gap credit report dated within XXX days of the note date. | Document Uploaded. | 01/02/2026 | Client provided Credit Comparison Report dated XX/XX/XXXX. Cleared.; Borrower 2 Gap Credit Report is not missing. | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the gap credit report dated within XXX days of the note date. | Document Uploaded. | 01/02/2026 | Client provided Credit Comparison Report dated XX/XX/XXXX. Cleared.; Borrower 1 Gap Credit Report is not missing. | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | XXX-3245 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain a copy of the tax Statement, Hazard insurance Statement, HOA Statement, Lease agreement or XXX documenting rental income for the property located at XXX | Document Uploaded. | 12/29/2025 | ; Client provided LOE reflecting No HOA, HOI policy, Property Tax Statement and lease agreement for XXX. Cleared. | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | XXX-3245 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling disclosure and proof sent to the borrower within XXX business days of application. | Document Uploaded. | 12/29/2025 | Homeownership Counseling Disclosure Is Present or XXX | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof it was sent to the borrower within XXX business days of application. | Document Uploaded. | 12/29/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. Can't downgrade due to missing proof of appraisal delivery. | Document Uploaded. | 12/04/2025 | appraisal delivery provided, HPML provided; Exception resolved | 12/07/2025 | C A |
| 9857600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX. | Document Uploaded. | 12/04/2025 | Evidence of Appraisal Delivery to the Borrower Provided. | 12/07/2025 | C A |
| 9857600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX. | Document Uploaded. | 12/04/2025 | Evidence of appraisal delivery provided. | 12/07/2025 | C A B |
| 9857600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/03/2025 | C A |
| 9857600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/03/2025 | C A |
| 9862196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. | 12/08/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Received Short Form policy. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| 9862196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. | 12/08/2025 | Third Party Fraud Report is provided | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9862196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Investor acknowledged exception; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9857415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. | 12/05/2025 | Evidence of eConsent is provided. | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Provide XXX | Document Uploaded. | 12/05/2025 | Approval/Underwriting Summary is fully present; XXX provided. | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857415 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9914957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Requirements for business verification: Evidence of Current work (executed contracts or signed invoices), Evidence of current business receipts, Business website demonstrating activity supporting current business operations. | Document Uploaded. | 12/09/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Document Uploaded. VOE provided, websiteBusiness website demonstrating activity supporting current business operations | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9914957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Provide acceptable RCE or updated declaration page reflecting coverage of XXX the loan amount. | Document Uploaded. | 12/09/2025 | HOI confirming replacement cost provided; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; HOI uploaded | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9914957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | Fraud: Red Flag Variances are not properly addressed in the file | 75% LTV C/O | Investor accepts appraisal. | 12/30/2025 | Investor accepts appraisal. | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9914957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Investor acknowledged exception; Informational Only | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9914957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Investor acknowledged exception; Informational Only | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9914957 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Investor acknowledged exception; Informational Only | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9915518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Credit | Property Title Issue | Property Title Issue Title vested in business name of an LLC which was quit claimed over into borrower's name on XX/XX/XXXX. File contains documentation for a different LLC company borrower owns - not the same LLC name listed on title commitment. Provide documentation / verification borrower is the owner of said LLC listed on title. | Document Uploaded. ; Document Uploaded. Eligibility Certificate; Document Uploaded. Per Lender: Good Morning – This loan was underwritten & approved by the XXX underwriter (all I did as the CCHL underwriter was enter the closing conditions into Encompass) - here is one of the closing conditions from the XXX underwriter: Provide copy of fully executed Quit Claim Deed removing title from XXX to XXX | 12/11/2025 | Property Title Issue Resolved; Copy of XXX Operation Agreement is required to verify B1 has signing authority as indicated within Schedule B, Part XXX - Requirements #XXX a.; Title commitment reflects "Touraine Property Management, LLC" is the Owner of the property. A QCD from Touraine Property Management, LLC to XXX Babcot on XX/XX/XXXX. QCD signature reflects XXX Babcot is its XXX. File is missing documentation of B1's ownership of this LLC. | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9915518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Property | File does not contain all required valuation documents | Enhanced Valuation Review Exception. DSCR Cash out Refinance with 75% LTV. |  |  | ; Investor reviewed and accepted. Condition cleared. | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9915518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Credit | Other Rider is Missing | Missing Lot Loan Rider per Security Deed. | Document Uploaded. | 12/11/2025 | All Riders XXXd to the Security Deed were provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9915518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Investor acknowledged exception; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9915518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Investor acknowledged exception; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9915110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.12% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.12% is less than Guideline LTV of 75% A |
| 9915110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.12% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.12% is less than Guideline LTV of 75% A |
| 9915110 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.12% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 38.12% is less than Guideline LTV of 75% A |
| 9805430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. | Document Uploaded. Appraisal | 12/22/2025 | The issue with the property has been resolved.; Provide updated subject property address on the appraisal to match the Note's subject property address. Address on appraisal is "XXX" address on Note is "XXX". | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9805430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | Flood Certificate Partially Provided | Flood Certificate is Partially Provided Provided updated subject property address on the Flood Cert to match the Note's subject property address. Address on Flood Cert is "XXX" address on Note is "XXX". | Document Uploaded. Flood cert | 12/22/2025 | Flood Certificate is fully present | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9805430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Provide updated subject property address on the HOI to match the Note's subject property address. Address on HOI is "XXX" address on Note is "XXX". | Document Uploaded. insurance | 12/22/2025 | Hazard Insurance Policy is fully present | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9805430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM. |  |  | Informational Only; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9805430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9805430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9918172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing of Business Purpose Affidavit/Disclosure | Document Uploaded. BPC | 12/19/2025 | Business Purpose Affidavit/Disclosure Provided; BP affidavit provided | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.03% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.03% is less than Guideline CLTV of 80% D A |
| 9918172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Rescinded | XXX-3245 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing of fraud report, only driving report is available in file. | Document Uploaded. Fraud Report | 12/08/2025 | ; Third Party Fraud Report is provided; Initially provided | 12/09/2025 | D A |
| 9918172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.03% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.03% is less than Guideline CLTV of 80% D A |
| 9918172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.03% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.03% is less than Guideline CLTV of 80% D A |
| 9857438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing ABA missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 12/11/2025 | Affiliated business disclosure provided, exception resolved; Required Affiliated Business Disclosure Documentation Provided | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Homeownership Counseling Disclosure within XXX days of the application date. | Document Uploaded. | 12/11/2025 | Homeownership Counseling Disclosure Is Present, exception resolved.; Homeownership Counseling Disclosure Is Present or XXX | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines required a Gap Credit Report within XXX days of closing. The Credit Report is dated XX/XX/XXXX and the Closing date is XX/XX/XXXX. Please provide Gap Credit Report. | Document Uploaded. | 12/11/2025 | Borrower 1 Gap Credit Report is not missing.; GAP Report Provided. | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857438 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 12/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. ; Document Uploaded. | 12/10/2025 | Evidence of eConsent is provided.; E-Consent provided was dated XX/XX/XXXX. However the 1st e-signed doc in the file was signed on XX/XX/XXXX. Please provide proof that borrower consented on XX/XX/XXXX or before | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX Notice of Settlement, XXX to XXX Settlement/closing, XXX to XXX photo copy, XXX to XXX edoc, XXX to XXX endorsement, XXX to XXX title exam, XXX to XXX handling, XXX to XXX transaction platform. The fees were placed in section C, however the SSPL was missing so fees were tested as XXX% Final Charges That In Total Cannot Increase More Than XXX% Total = XXX Comparable Charges That In Total Cannot Increase More Than XXX% Total = XXX different XXX Based on the fee comparison between the Initial LE dated XX/XX/XXXX and the Final CD dated XX/XX/XXXX, the total comparable charges subject to XXX% tolerance increased from XXX to XXX resulting in a net tolerance variance of $XXX. | Document Uploaded. | 12/09/2025 | SSPL provided; Exception resolved; SSPL provided; Exception resolved | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | Cleared; HPML compliant | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The file does not contain a copy of the gap credit report dated within XXX days of the note date. | Document Uploaded. | 12/12/2025 | Borrower 1 Gap Credit Report is not missing.; Credit review. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857440 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | Cleared; HPML compliant | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 55% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45% is less than Guideline CLTV of 55% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 55% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45% is less than Guideline CLTV of 55% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 55% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45% is less than Guideline CLTV of 55% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Acknowledged | XXX-3245 | Credit | Occupancy Not Allowed | Lender approved exception was documented in file for 2nd Home for Super Jumbo using the following compensating factors: XXX months reserves greater than program requirement, Borrowers' contribution exceeds requirements by =>XXX%, FICO above the minimum by XXX points or higher, High Discretionary income, XXX Years in current job and VOR 0x30 in XXX months. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 45% is less than Guideline LTV of 55% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 45% is less than Guideline CLTV of 55% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Gift $XXX: Gift letters in file totaling $XXX: The gifts include XXX to escrow on XXX/XXX, receipt in file to support escrow received the XXX Additionally borrower received XXX and an additional XXX to be received at COE per letters. No evidence in file supports receipt of the additional gifts of XXX and XXX (total $XXX) by Escrow. Final and Post CD do not reflect receipt of any of the funds by escrow deposits on behalf of borrower. Evidence of receipt required to support verified funds. |  |  | Asset Record XXX Meets G/L Requirements Or XXX | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 9857510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Gift of XXX ($XXX & $XXX): Gift letters in file totaling $XXX: The gifts include XXX to escrow on XXX/XXX, receipt in file to support escrow received the XXX Additionally borrower received XXX and an additional XXX to be received at COE per letters. No evidence in file supports receipt of the additional gifts of XXX and XXX (total $XXX) by Escrow. Final and Post CD do not reflect receipt of any of the funds by escrow deposits on behalf of borrower. Evidence of receipt required to support verified funds. |  |  | Asset Record XXX Meets G/L Requirements Or XXX | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 9857510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Compliance | Missing evidence of rate lock | Rate lock is missing | Document Uploaded. | 12/10/2025 | Rate Lock Provided. | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 9857510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 9857510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 9857405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857405 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Cleared | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9896616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | Document Uploaded. Business purpose affidavit | 12/11/2025 | Business Purpose Affidavit/Disclosure Provided; Executed BPA provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9896616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9896616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.74% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.74% is less than Guideline CLTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9979487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The county name on the appraisal (XXX) does not match the county name on the Legal Description per monthrtgage (XXX). | Document Uploaded. | 12/26/2025 | Property/Appraisal Meets Guidelines | 12/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Borrower eSigned the Revised LE issued on XX/XX/XXXX same day. Provide eConsent dated on or before XX/XX/XXXX. eConsent in loan file is dated XX/XX/XXXX. | Document Uploaded. | 12/11/2025 | Evidence of eConsent is provided.; E-consent received | 12/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/08/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant- Appraisal requirement met |  |  | HPML compliant | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9953967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only; Investor acknowledges this exception; Informational Only | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 70% A |
| 9953967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only; Investor acknowledges this exception; Informational Only | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.34% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.34% is less than Guideline CLTV of 70% A |
| 9953967 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Rescinded | XXX-3245 | Credit | Fraud: Red Flag Variances are not properly addressed in the file | XXX City County, watchlist |  |  |  |  | A |
| 9979436 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. Taxes and insurance escrowed, borrower received copy of appraisal |  |  | HPML compliant | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9979436 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9979436 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9845298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Rescinded | XXX-3245 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements \*XXX(XXX\*\*\*\*XXX XX/XX/XXXX pg. XXX (missing full XXX-month payment history) \*XXX (Investment Property) (missing full XXX-month payment history) \*XXX (Investment Property) XXX \*\*\*\*XXX XX/XX/XXXX pg. XXX (missing full XXX-month payment history) \*XXX(Investment Property) (missing full XXX-month payment history) \*XXX (Investment Property) XXX \*\*\*\*XXX XX/XX/XXXX pg. XXX (missing full XXX-month payment history) XXX requires a XXX-month housing history on the subject property, primary residence and all additional financed properties. Only the subject property and primary residence must be listed on the application and the housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. All payment histories must reflect 0X30 measured from the credit report date. On the credit report date, the existing mortgage(s) must be current, which means that no more than XXX days have elapsed since the last paid installment date. Mortgage/Rental history must be documented as follows. • A mortgage payment history from an institutional lender as verified through (i) credit bureau report reference for XXX months or (ii) XXX months canceled checks. |  |  | does not apply, mortgage are not on the credit report; Housing History Meets Guideline Requirements | 12/11/2025 | A |
| 9845298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Rescinded | XXX-3245 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. \*XXX \*\*\*\*XXX XX/XX/XXXX pg. XXX (missing full XXX-month payment history) does not appear on credit report. \*XXX (Investment Property) (missing full XXX-month payment history) \*XXX (Investment Property) XXX \*\*\*\*XXX XX/XX/XXXX pg. XXX (missing full XXX-month payment history) does not occur on credit report. \*XXX (Investment Property) (missing full XXX-month payment history) \*XXX (Investment Property) \*\*\*\*XXX XX/XX/XXXX pg. XXX (missing full XXX-month payment history) XXX requires a XXX-month housing history on the subject property, primary residence and all additional financed properties. Only the subject property and primary residence must be listed on the application and the housing history requirements for additional financed properties (properties other than the subject property and primary residence) are limited to properties with mortgages reflected on the credit report. All payment histories must reflect 0X30 measured from the credit report date. On the credit report date, the existing mortgage(s) must be current, which means that no more than XXX days have elapsed since the last paid installment date. Mortgage/Rental history must be documented as follows. • A mortgage payment history from an institutional lender as verified through (i) credit bureau report reference for XXX months or (ii) XXX months canceled checks. |  |  | does not apply, mortgage are not on the credit report; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 12/11/2025 | A |
| 9845298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Rescinded | XXX-3245 | Property | File does not contain all required valuation documents | Refi (Cash Out) &>=XXX LTV |  |  |  |  | A |
| 9845298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 70% |  |  | Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 70% |  |  | Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 70% | Hi, can you please be more specific? Please advise what you are getting that the max LTV is 70% | 12/11/2025 | Audited LTV of 80% is less than or equal to Guideline LTV of 80%; Client Stated, "Please advise what you are getting that the max LTV is 70%" Pending review. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/09/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979459 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The guidelines require tax returns to be signed in the file for a XXX month self XXX borrower, these were found to be missing. | Document Uploaded. | 12/18/2025 | Income and Employment Meet Guidelines; Client provided signed returns | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide PITIA verification documents for the property at XXX for REO expenses to verify lender figures. | Document Uploaded. | 12/12/2025 | Client provided XXX evidence. Resolved. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9809922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/19/2025 | Resolved | XXX-3245 | Credit | Missing Business Entity Formation Document | Provide EIN and Certificate of Good standing for XXX | Document Uploaded. EIN and certificate of good standing | 12/20/2025 | ; Client provided IRS ov EIN Assistant verifying EIN for XXX and State of XXX Department of State Certification of Status as Current. Cleared. | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9809922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9809922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9809922 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9857550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Guidelines require a Gap Credit Report within XXX days of closing. Please provide Gap Credit Report. | Document Uploaded. | 12/12/2025 | Borrower 1 Gap Credit Report is not missing.; Client Stated, Requirement for a gap credit report has been eliminated on Correspondent Transactions. | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 9857550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. | 12/29/2025 | Client provided Complete Purchase Contract. Cleared. ; Purchase Contract Doc is not Missing, or is XXX. | 12/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 9857550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 9857550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% D A |
| 9979432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI increased due to debts calculated from credit report higher at audit than what was used at origination. Total other debts on XXX of XXX however, 1003 reflects total other debts as XXX Audit calculation after exclusion of debt paid at closing is $XXX. | Document Uploaded. payments included =XXX please see image attached | 12/18/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Client sent exclusion of debt list. | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 9979432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | Missing VVOE dated within XXX days consummation | VVOE is present in file; however, XXX if borrower is actively XXX. VVOE reflects company was contacted and verifies the borrower start date and position, but does not indicate if the borrower is active. | Document Uploaded. | 12/22/2025 | ; VVOE provided for XXX dated XX/XX/XXXX and Active. | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979432 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 9857499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/11/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 80% A |
| 9979386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 80% A |
| 9979386 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.82% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.82% is less than Guideline LTV of 80% A |
| 9857453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857453 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9952685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Credit | Missing Fraud Product | Fraud report required for Entity XXX | Document Uploaded. See attached Lexis Nexis reports. | 12/18/2025 | ; Business Entity Fraud report provided. Cleared. | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9952685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Credit | Application Profile Missing | Missing Final DSCR calculation from lender. Per Lock Confirmation DSCR should be XXX calculated as XX/XX/XXXX | Document Uploaded. See confirmation from our underwriter and lock desk regarding the DSCR ratio. Please advise. | 12/18/2025 | Lender provided documentation confirming DSCR ratio of XX/XX/XXXX is acceptable. Condition cleared.; Lender provided DSCR Final approval XXX. Cleared. | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9952685 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only; Investor Acknowledges exception.; Informational Only | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9980345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9980345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9980345 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10007013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX or evidence XXX has no affiliates. | Arc does not have any affiliate relationships or a direct or beneficial ownership interest in any recommended providers, therefore an Affiliated Business Disclosure is not required nor issued | 01/28/2026 | Required Affiliated Business Disclosure Documentation Provided | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10007013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Provide updated title reflecting coverage equaling amount of subject lien XXX provide title reflects amount of XXX | Document Uploaded. See attached Final Title policy showing the correct loan amount of XXX | 01/26/2026 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10007013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing Provide HOA Questionnaire. | Per Fannie guides, in projects with no more than XXX attached units, a project review is not required. Per appraisal there are only XXX Units. Please cancel. | 01/26/2026 | HOA Questionnaire Provided | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10007013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/12/2026 | Acknowledged | XXX-3245 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of XXX is greater than the Guideline Maximum Loan Amount of XXX Lender Approved Exception provided for XXX Loan Amount at 75% LTV. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9983363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9983363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9983363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10008073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10008073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10008073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/15/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Compliance | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9862059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Credit | Missing Fraud Product | Missing fraud report for the entity XXX.- report in file is for individual only | Document Uploaded. Business fraud check for XXX | 12/19/2025 | ; Client provided Summary of Findings: BDV-Company report (Entity Report). Cleared. | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9862059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Property | Valuation product is deficient | Loan selected for enhanced valuation- Loan is a cash out refi at 75% LTV with XXX | MS accepts value, ok to clear | 12/20/2025 | Appraisal accepted, okay to clear. | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9862059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Informational Only; Exception acknowledged by investor.; Informational Only | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9862059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Informational Only; Exception acknowledged by investor.; Informational Only | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9862059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Informational Only; Exception acknowledged by investor.; Informational Only | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9857433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857433 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9898481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Audit, underwriter, has identified that credit reports for both borrowers are missing from the loan file, the form 1008 references a representative credit/indicator score of XXX which must be supported by documentation.{XXX}. | Document Uploaded. Please see attached for condition review. | 12/26/2025 | Borrower 1 Credit Report is not missing.; Credit Provided | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.44% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.44% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9898481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Audit, underwriter, has identified that credit reports for both borrowers are missing from the loan file, the form 1008 references a representative credit/indicator score of XXX which must be supported by documentation.{XXX}. | Document Uploaded. Please see attached for condition review. | 12/26/2025 | Borrower 2 Credit Report is not missing.; Credit Provided | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.44% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.44% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9898481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX missing credit report_ Audit, underwriter, has identified that credit reports for both borrowers are missing from the loan file, the form 1008 references a representative credit/indicator score of XXX which must be supported by documentation.{XXX}. | Document Uploaded. Please see attached for condition review. | 12/26/2025 | Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; Credit Provided | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.44% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.44% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9898481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/29/2025 | Acknowledged | XXX-3245 | Property | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Loan ineligible due to Rural zoning. XXX reflects XXX Fam Res- Rural. See Seller Guide XX/XX/XXXX Ineligible XXXs. | Document Uploaded. | 12/29/2025 | Exception provided. MS is comfortable approving exception based on compensating factors: LTV of 40% where XXX% is maximum. DSCR XX/XX/XXXX where XX/XX/XXXX is minimum, Housing payment history XXX yrs timely payments. Exception approved. | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.44% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.44% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9898481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.44% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.44% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9898481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.44% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.44% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 9502860 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502860 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502860 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | XXX-3245 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on CD XX/XX/XXXX. There are multiple COC's in file dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing changes were made to due to lock extensions, however they all show the lender credit amount was changed to XXX and never show the credit decreased to XXX In addition, the COC dated XX/XX/XXXX is not within XXX days of re-disclosure. | Document Uploaded. ; The CD team has added a COC to accompany the ICD disclosed on XX/XX/XXXX to address the removal of the rate credit for XXX chosen that took place on XX/XX/XXXX. A cure should no longer be required with this update made to the loan file. Please confirm. Thanks! | 01/06/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; No documentation uploaded, the COC dated XX/XX/XXXX was not located in the file | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 90% A |
| 9857483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 12/19/2025 | Evidence of eConsent is provided. | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 90% A |
| 9857483 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 90% A |
| 9857429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Provide the Homeownership Counseling disclosure and proof sent to the borrower within XXX business days of application | Document Uploaded. | 12/19/2025 | Homeownership Counseling Disclosure Is Present or XXX | 12/22/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857429 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 9979462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 9979462 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 9857538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on the LE dated XX/XX/XXXX to XXX on the final CD dated XX/XX/XXXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. ; Document Uploaded. | 12/19/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.71% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX on the LE dated XX/XX/XXXX to $ XX on the final CD dated XX/XX/XXXX for the broker fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 12/19/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.71% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 12/19/2025 | Evidence of eConsent is provided. | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.71% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.71% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.71% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9848402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Property | Valuation product is deficient | Cash out Refi, XXX% Additional appraisal review required. | Investor accepts value, ok to clear | 12/26/2025 | investor accepts value, cleared. | 12/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9848402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Investor acknowledges condition. ; Informational Only | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9848402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Investor acknowledges condition. ; Informational Only | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9848402 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Investor acknowledges condition. ; Informational Only | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9953966 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/17/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only; Investor acknowledges condition. ; Informational Only | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9953966 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only; Investor acknowledges condition. ; Informational Only | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9953966 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only; Investor acknowledges condition. ; Informational Only | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 12/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; cleared | 12/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; cleared | 12/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | XXX-3245 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. Please provide an updated hazard insurance with an effective date of XX/XX/XXXX. | Document Uploaded. Dry State funding | 12/24/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 12/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/19/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Credit | Title Document Missing | Title Document is missing Please provide title commitment showing all schedules and XXX month chain of title. | Document Uploaded. | 12/23/2025 | Title Document is fully Present; Title provided. | 12/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/18/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9389159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CU score is not on the FNMA report and not eligible for collateral reps and warrants, third party valuation required. | Document Uploaded. | 01/02/2026 | Client provided Desktop review dated XX/XX/XXXX. Cleared.; Third party valuation product provided within tolerance. | 01/05/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9389159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9389159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Compliance | Initial Closing Disclosure Delivery Date Test | Missing evidence borrower received the initial CD dated XX/XX/XXXX at least XXX business days prior to loan consummation. Borrower signed the CD XX/XX/XXXX however, XX/XX/XXXX was a Sunday and is not considered a business day, loan closed XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 12/24/2025 | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9979564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9979564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 9857518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Documentation required to clear exception: Provide evidence of receipt for the LE issued XX/XX/XXXX. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 01/06/2026 | Documentation provided confirms the borrower received the LE on XX/XX/XXXX; exception resolved; The documentation provided multiple times shows an LE but has no signature listed. The lock document shows a signature but there is no way to determine if the borrower received these documents at the same time for review and the lock document doesnt State the borrower has reviewed or received the LE; The revised LE did not contain a signature, provide documentation to show the borrower received a copy of the LE at least XXX days prior to consummation; The revised LE did not contain a signature, provide documentation to show the borrower received a copy of the LE at least XXX days prior to consummation | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. |  |  | HPML compliant | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/24/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide eConsent dated on or before XX/XX/XXXX. | Document Uploaded. | 12/29/2025 | Evidence of eConsent is provided. | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10024827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10024827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10024827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10024822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10024822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10024822 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10066054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 75% A |
| 10066054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 75% A |
| 10066054 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/16/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35.09% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 35.09% is less than Guideline LTV of 75% A |
| 10083423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10083423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10083423 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please provide the verification documentation for HOI missing on the property at XXX. Lender expenses for this property are not fully verified. | Document Uploaded. | 12/31/2025 | Client provided Hazard Declaration and Property Information for XXX Riverwalk Dr. Cleared. | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/26/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084691 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 12/30/2025 | A |
| 10084697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | HPML compliant | 12/30/2025 | A |
| 10084697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/30/2025 | A |
| 10084697 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/30/2025 | A |
| 10084827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points on the Final CD XX/XX/XXXX. A COC was dated XX/XX/XXXX but the fee wasn't disclosed within the XXX business days from the change. | Document Uploaded. Document Uploaded. ; Document Uploaded. | 12/31/2025 | Valid COC provided; exception resolved | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the Lender credit on the Final CD. There is a COC dated XX/XX/XXXX, however the change was not disclosed until CD XX/XX/XXXX which is more than XXX business days from the change. | Document Uploaded. | 12/31/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084827 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084664 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/29/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084798 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084779 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9979476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Credit | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. | Document Uploaded. | 01/02/2026 | Client provided Passports from XXX for Both Borrowers. Cleared.; Borrower Identification Document provided. | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 9979476 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 10084836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 10084836 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 9979569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9979569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the lender credit on the Final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. Hi, lock was extended. | 01/06/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9979569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the 2nd appraisal fee added to the final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. Hi, the 2nd appraisal fee of XXX was added on the XX/XX/XXXX LE. Please see attached. | 01/06/2026 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9979569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | HPML compliant | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9979569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 9979569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. The appraisal transfer letter on page XXX does not State a copy of the report was delivered to the borrower. | Document Uploaded. It's in the body of the email. I have highlighted it for you. It was sent on XX/XX/XXXX | 01/06/2026 | Evidence of appraisal delivery provided. | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | Evidence of Appraisal Delivery to the Borrower Not Provided. Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. The appraisal transfer letter on page XXX does not State a copy of the report was delivered to the borrower. | Document Uploaded. XX/XX/XXXX | 01/06/2026 | Evidence of Appraisal Delivery to the Borrower Provided. | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | Missing Income - Bank Statements | The June bank Statement for the XXX #XXX account needs submitted to verify figures lender used to qualify income. | Document Uploaded. | 01/06/2026 |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. Need proof of appraisal delivery in order to downgrade. | Document Uploaded. XX/XX/XXXX | 01/06/2026 | Appraisal delivery provided, HPML compliant | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/30/2025 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Need proof of appraisal delivery in order to downgrade. | Document Uploaded. Hi, it's on XXX/XXX. It's on the body of the email. I have highlighted it for you. | 01/06/2026 | Appraisal delivery provided, HPML compliant | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084814 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 10084791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.87% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.87% is less than Guideline LTV of 90% A |
| 10084791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.87% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.87% is less than Guideline LTV of 90% A |
| 10084791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.87% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.87% is less than Guideline LTV of 90% A |
| 10084786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.95% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.95% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.95% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.95% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084786 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.95% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.95% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Cured | XXX-3245 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the settlement fee, from XXX to XXX for the title endorsement fee, and from XXX to XXX for the signing fee. Final Charges That In Total Cannot Increase More Than XXX% Total= XXX (title insurance XXX settlement XXX endorsement XXX signing XXX and recording $XXX) Comparable Charges That In Total Cannot Increase More Than XXX% Total = XXX (title insurance XXX settlement XXX endorsement XXX signing XXX and recording $XXX) Tolerance variance amount for charges that in total cannot increase more than XXX%= XXX A COC is required to determine if this was a valid change. | Document Uploaded. | 01/07/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/08/2026 | C B A |
| 9857498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. | 01/06/2026 | Evidence of eConsent is provided. | 01/06/2026 | C B A |
| 9857498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 01/02/2026 | C B A |
| 9857498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 01/02/2026 | C B A |
| 9857577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | 01/06/2026 | Evidence of eConsent is provided. | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 01/02/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% A |
| 10084795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% A |
| 10084795 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% A |
| 10084729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.61% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.61% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.61% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.61% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 32.61% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 32.61% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | A |
| 10084721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | A |
| 10084721 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | A |
| 10084832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084832 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | The Note is Missing | The Note is Missing. Please provide for verification review. | Document Uploaded. | 01/06/2026 | The Note is Present. | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Please provide to verify final closing figures and terms of loan. | Document Uploaded. | 01/06/2026 | TRID: Final Closing Disclosure Provided | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Please provide for verification review. | Document Uploaded. | 01/06/2026 | The Deed of Trust is Present | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Please provide to verify final terms. | Document Uploaded. | 01/06/2026 | The Final 1003 is Present | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | Final CD: Calculating Cash to Close Closing Costs Paid, Closing Costs Financed, Down Pmt, Deposit, and/or Funds for Borrower discrepancy |  | Document Uploaded. | 01/06/2026 |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10084720 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% D A |
| 10025706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | Title Document Missing | Title Document is missing Title Document is missing | Document Uploaded. See attached Prelim Title. Please clear. | 01/27/2026 | Title Document is fully Present | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10025706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | Flood Certificate Missing | Missing Flood Certificate Missing Flood Certificate | Document Uploaded. See attached Flood Cert. Please clear. | 01/27/2026 | Flood Certificate is fully present | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10025706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Loan Purpose is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is XXX.; Purchase Contract Doc is not Missing, or is XXX. | 01/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10025706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10025706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/12/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10025874 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10025874 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10025874 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/16/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084747 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084784 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 10084784 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 10084784 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 10084458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/19/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70% A |
| 10084458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70% A |
| 10084458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 70% A |
| 10084196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084196 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 85% A |
| 10084806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 85% A |
| 10084806 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.37% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.37% is less than Guideline CLTV of 85% A |
| 10084770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084770 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084876 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/06/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/02/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.81% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial CD provided is e-signed on XX/XX/XXXX and the consummation date is XX/XX/XXXX, which is less than XXX business days. Please provide a copy of an initial CD and evidence that the borrower received or acknowledged receipt at least XXX business days prior to consummation. | Document Uploaded. | 01/07/2026 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.81% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/05/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.81% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.81% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084769 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/07/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.81% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.81% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Cured | XXX-3245 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an increase in the Appraisal Fee from XXX on the initial LE to XXX on the final CD. The COC provided States cure provided, however, no cure was evident on the final CD. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 01/12/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9979552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084864 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084782 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084793 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/07/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/06/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  |  | HPML compliant | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084698 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML compliant |  |  | HPML compliant | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to an increase from XXX to XXX for the HOA Certification Fee added to LE XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 01/27/2026 | PCCD provided with final figures provided, exception resolved.; COC provided did not indicate a reason for the addition on the HOA fee. To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and XXX) the date of the changed circumstance (i. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e)(XXX)(iv)(A) through (F) has occurred) ; COC provided did not indicate a reason for the addition on the HOA fee; COC provided did not indicate a reason for the addition on the HOA fee. To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: XXX) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); XXX) specific reason for the revision and how it impacted the specific fee(s) that increased; XXX) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and XXX) the date of the changed circumstance (i. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § XXX(e)(XXX)(iv)(A) through (F) has occurred) | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 90% A |
| 10084843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 90% A |
| 10084843 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.8% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.8% is less than Guideline CLTV of 90% A |
| 9979475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9979475 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084706 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084696 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10085008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10085008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML Compliant; Cleared | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML Compliant; Cleared | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 9857434 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML Compliant; Cleared | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Cleared | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.54% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.54% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.54% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.54% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084684 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Cleared | 01/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.54% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.54% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084851 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review Fee added to LE XX/XX/XXXX. A COC is required to determine if this was a valid change. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | The reason is listed within the change details... he appraised value went down from XX/XX/XXXX mil to XX/XX/XXXX mil and we ordered an appraisal review to support value. ; Document Uploaded. attached is COC | 01/22/2026 | clarification of the COC provided; exception resolved; clarification of the COC provided; exception resolved; Provide clarification, the COC indicates an appraisal review fee was added. Please indicate the reason the new service was required | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.33% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.33% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.33% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.33% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084682 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.33% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.33% is less than Guideline LTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084867 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/13/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Credit | Missing Income - Bank Statements | Missing Statement for April XXX - Statement in file is XXX | Document Uploaded. | 01/19/2026 | Client sent April XXX Resolved. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084730 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084743 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/14/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.29% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.29% is less than Guideline CLTV of 85% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/14/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084704 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 10084919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Compliant |  |  | HPML compliant | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084919 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 01/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10084918 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10099742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | A |
| 10099742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | A |
| 10099742 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | A |
| 10084744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Resolved | XXX-3245 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Loan file did not contain the mortgage / deed of trust document | Document Uploaded. | 01/23/2026 | The Deed of Trust is Present; DOT provided. ; The Deed of Trust is Missing Loan file did not contain the mortgage / deed of trust document | 01/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.08% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.08% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.08% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.08% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084744 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/23/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.08% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.08% is less than Guideline CLTV of 85% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 10084837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/22/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084837 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/23/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 10084939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Cured | XXX-3245 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the transfer taxes from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | 01/29/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/30/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10084939 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/23/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | XXX-3245 | Credit | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements The $XXX (#XXX), $XXX (#XXX), and $XXX (#XXX) deposit into XXX #XXX was from gift funds, per B1's Final 1003. However, the XXXd fully-executed gift letters are missing. | Document Uploaded. Not a gift. | 09/12/2025 | Documentation is sufficient. Checks and deposit slips provided. Exception resolved. ; Asset 4 Meets Guideline Requirements Or XXX | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9502791 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857464 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9857488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The Final 1003 for B1 reflects a XXX of monthly insurance, taxes and Association due for primary residence located at XXX, mortgage Statement reflects taxes and insurance are escrowed. In addition the Final 1003 for B2 reflects a XXX monthly insurance, taxes and Association due for primary residence located XXX Lemona Lane, and the mortgage Statement in file reflects taxes and insurance are escrowed. Therefore, missing evidence to verify both B1 and B2 primary residence other expenses. | Document Uploaded. | 10/15/2025 | Documentation is sufficient. Updated 1008 and 1003 provided. Exception resolved. | 10/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857729 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/14/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9857525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX-3245 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reflects Single Family Residence vs Deed of Trust has a PUD Rider. Lender to confirm if subject property is a PUD, add HOA dues, if any, and update documents accordingly. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Updated DOT provided. Exception resolved.; Property/Appraisal Meets Guidelines | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.44% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.44% is less than Guideline CLTV of 90% A |
| 9857525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX-3245 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Missing XX/XX/XXXX Bank #XXX Statement used for income calculation. Income subject to recalculation. | worksheet uploaded ; Document Uploaded. ; Please see updated income analysis - this bank Statement should be unnecessary. ; Document Uploaded. UW has updated income calculation. August - September XXX Statement should not be needed. ; Document Uploaded. This was in the file. Please clarify what you need. | 10/21/2025 | Documentation is sufficient. Updated worksheet provided. Exception resolved.; Income and Employment Meet Guidelines; Please provided a bank Statement worksheet to reflect the inclusion of the Sept. XXX Statement and not the August-Sept. XXX Statement. Exception remains.; Need the August - September XXX Statement. Exception remains. | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.44% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.44% is less than Guideline CLTV of 90% A |
| 9857525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/13/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.44% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.44% is less than Guideline CLTV of 90% A |
| 9857487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX-3245 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 11/05/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9857487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Cured | XXX-3245 | Compliance | Charges That Cannot Increase Test | Increase due 2nd appraisal added on disclosure issued XX/XX/XXXX, however, invoice reflects appraisal order date of XX/XX/XXXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). |  |  | Reimbursement, PCCD, LOE, copy of check, and delivery provided within XXX days of discovery. | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Rescinded | XXX-3245 | Compliance | Post-Consummation Cure Reimbursement and Revised Closing Disclosure Delivery Date Test | This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test. (12 CFR §1026.19(f)(2)(v) he post-consummation reason for redisclosure is "post-consummation cure for violation of tolerance/variation" or:The post-consummation revised closing disclosure delivery date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided; orThe provided reimbursement date is more than XXX calendar days after the consummation date, or closing / settlement date if no consummation date was provided efunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. |  |  | Invalid. Cure accepted within XXX days of discovery. | 02/13/2026 | C B A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | XXX-3245 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile 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. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | XXX-3245 | Compliance | XXX COMAR Higher-Priced Mortgage Loan Test | This loan failed the XXX COMAR higher-priced mortgage loan test. (XXX COMAR 09030602B(XXX), COMAR 09030902B(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (COMAR) hile the XXX COMAR provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  |  | HPML compliant | 02/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Rescinded | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | ; HPML compliant; Cleared | 02/02/2026 | C B A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/02/2026 | Acknowledged | XXX-3245 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements |  |  | Document Uploaded. Lender exception provided. | 02/02/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9695014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 9980526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9980526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9980526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/15/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/16/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9985119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9985119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9985119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/23/2025 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.21% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.21% is less than Guideline CLTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9981354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.41% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.41% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9981354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.41% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.41% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 9981354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/12/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.41% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.41% is less than Guideline CLTV of 65% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10046501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/19/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10065419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10065419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/09/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10065419 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/13/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | informational | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10025413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/20/2026 | Rescinded | XXX-3245 | Property | Condo Approval Missing | Condo Approval Missing. Condo approval is Missing. | See page XXX of the imported docs for the Lenders Review where is shows Condo/PUD meets guidelines for the investors shown below and is XXX under those guidelines only. Pages XXX-XXX contain all condo review docs. Please cancel. | 02/03/2026 | Rescinded - Condo approval in file | 02/03/2026 | B A |
| 10025413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/19/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10025413 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/21/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 10045514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Per HUD-XXX located on page XXX borrower needed XXX to close. Per page XXX the EMD was wired on XX/XX/XXXX IAO XXX and cleared the borrowers XXX acct #XXX on XX/XX/XXXX, #XXX had a remaining balance as of XX/XX/XXXX of XXX page XXX is a XXX acct #XXX with an ending balance of XXX as of XX/XX/XXXX and page XXX is XXX acct #XXX with an ending balance of XXX as of XX/XX/XXXX. This is a total of asset IAO $XXX. Minus CTC of XXX leaves the borrower with XXX in reserves which is more than the XXX months. PITIA is XXX at XXX months would be $XXX. Which leaves the borrower after CTC and XXX months reserves with a remaining $XXX. Please cancel. | 02/03/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 02/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10045514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | Per HUD-XXX located on page XXX borrower needed XXX to close. Per page XXX the EMD was wired on XX/XX/XXXX IAO XXX and cleared the borrowers XXX acct #XXX on XX/XX/XXXX, #XXX had a remaining balance as of XX/XX/XXXX of XXX page XXX is a XXX acct #XXX with an ending balance of XXX as of XX/XX/XXXX and page XXX is XXX acct #XXX with an ending balance of XXX as of XX/XX/XXXX. This is a total of asset IAO $XXX. Minus CTC of XXX leaves the borrower with XXX in reserves which is more than the XXX months. PITIA is XXX at XXX months would be $XXX. Which leaves the borrower after CTC and XXX months reserves with a remaining $XXX. Please cancel. | 02/03/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Client Stated, "Per HUD-XXX located on page XXX borrower needed XXX to close. Per page XXX the EMD was wired on XX/XX/XXXX IAO XXX and cleared the borrowers XXX acct #XXX on XX/XX/XXXX, #XXX had a remaining balance as of XX/XX/XXXX of XXX page XXX is a XXX acct #XXX with an ending balance of XXX as of XX/XX/XXXX and page XXX is XXX acct #XXX with an ending balance of XXX as of XX/XX/XXXX. This is a total of asset IAO $XXX. Minus CTC of XXX leaves the borrower with XXX in reserves which is more than the XXX months. PITIA is XXX at XXX months would be $XXX. Which leaves the borrower after CTC and XXX months reserves with a remaining $XXX. Please cancel." Pending review. | 02/03/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10045514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10045514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10103287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXX-3245 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10103287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXX-3245 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 10103287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | XXX-3245 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |

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## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 7 - Rating Agency Grades Summary Report (Set #2, 202 loans)**

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| | | |
|:---|:---|:---|
| **MSID** | **Loan ID** | **Original Loan Amount** |
| 9389155 | XXXXX | $XXXXXX A |
| 9389159 | XXXXX | $XXXXXX A C |
| 9389180 | XXXXX | $XXXXXX A |
| 9502791 | XXXXX | $XXXXXX C A |
| 9502800 | XXXXX | $XXXXXX D A |
| 9502805 | XXXXX | $XXXXXX D A |
| 9502814 | XXXXX | $XXXXXX D A |
| 9502826 | XXXXX | $XXXXXX D A |
| 9502853 | XXXXX | $XXXXXX D A |
| 9502855 | XXXXX | $XXXXXX C A |
| 9502860 | XXXXX | $XXXXXX A |
| 9502882 | XXXXX | $XXXXXX D B A |
| 9502888 | XXXXX | $XXXXXX B A |
| 9502903 | XXXXX | $XXXXXX D A |
| 9502911 | XXXXX | $XXXXXX B C A |
| 9694949 | XXXXX | $XXXXXX A |
| 9694952 | XXXXX | $XXXXXX A |
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| 9857438 | XXXXX | $XXXXXX D B A |
| 9857439 | XXXXX | $XXXXXX B A |
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| 9857451 | XXXXX | $XXXXXX A |
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| 9857522 | XXXXX | $XXXXXX A B |
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| 10099742 | XXXXX | $XXXXXX A |
| 10103287 | XXXXX | $XXXXXX A |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 8 - Valuations Summary Report (Set #2, 202 loans)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MSID** | **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** |
| 9389155 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9389159 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0% | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9389180 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 9502791 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9502800 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.9 | 84.9 | $XXX | $XXX | -.0500 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0500 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9502805 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9502814 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0768 | 96.0 | 0.04 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 9502826 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 9502853 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.7 | 51.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9502855 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 9502860 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.38 | 68.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9502882 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9502888 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | -.0300 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0300 | 95.0 | 0.05 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 9502903 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9502911 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9694949 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9694952 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 9694983 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 9694988 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 9694993 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.28 | 73.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 9694995 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.92 | 79.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 9694996 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9695014 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .1034 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9695023 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9695051 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 9695063 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9695108 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9695127 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9805430 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9809922 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9845298 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.96 | 74.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 9848402 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 9857403 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0574 | 91.0 | 0.09 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857405 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857409 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857413 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0447 | 98.0 | 0.02 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9857415 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0147 | 97.0 | 0.03 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 9857416 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0198 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0198 | 93.0 | 0.07 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 9857418 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 9857421 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0373 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0373 | 93.0 | 0.07 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 9857423 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0092 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0092 | 91.0 | 0.09 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857425 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0190 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0190 | 94.0 | 0.07 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9857426 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0425 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 9857427 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857429 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.86 | 76.86 | $XXX | $XXX | .0556 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0556 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -.0942 | 88.0 | 0.12 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| 9857433 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0823 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0823 | 95.0 | 0.05 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9857434 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857437 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0493 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0493 | 85.0 | 0.15 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857438 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.93 | 74.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1315 | 97.0 | 0.03 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9857439 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0359 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0359 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857440 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857441 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857444 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 9857451 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857453 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857464 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9857468 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.1647 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1647 | 92.0 | 0.08 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857471 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .1573 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1573 | 84.0 | 0.16 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857475 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0731 | 95.0 | 0.05 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 9857482 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0254 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0254 | 96.0 | 0.04 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 9857483 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.5 | 41.5 | $XXX | $XXX | -.2678 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2678 | 90.0 | 0.1 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9857487 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9857488 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 9857490 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.01 | 56.01 | $XXX | $XXX | .0136 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0136 | 96.0 | 0.04 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857495 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9857498 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 9857499 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0396 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0396 | 90.0 | 0.1 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857505 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.0 | 45.0 | $XXX | $XXX | .0500 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0500 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | .0654 | 66.0 | 0.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857507 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 9857510 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0738 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0738 | 98.0 | 0.02 | XXX | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857515 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1914 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1914 | 86.0 | 0.14 |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 9857518 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857521 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857522 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.06 | 47.06 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0904 | 85.0 | 0.15 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9857524 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.03 | 69.03 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 9857525 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.44 | 67.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 9857529 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 9857530 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.35 | 41.35 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 9857538 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.71 | 53.71 | $XXX | $XXX | .0132 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0132 | 88.0 | 0.12 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857539 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.75 | 89.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857545 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0244 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0244 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 9857549 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.57 | 28.57 | $XXX | $XXX | -.0022 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0022 | 91.0 | 0.09 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857550 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857551 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857552 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9857554 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857555 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.09 | 35.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857571 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0418 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0418 | 97.0 | 0.03 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857572 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0451 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0451 | 97.0 | 0.03 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857574 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0487 | 92.0 | 0.08 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857575 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0350 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0350 | 97.0 | 0.03 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857577 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 76.46 | 76.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857590 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857594 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.66 | 56.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 9857596 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0772 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0772 | 89.0 | 0.11 | XXX | i-Val | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9857599 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 9857600 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0271 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0271 | 92.0 | 0.08 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857612 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.94 | 78.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 9857617 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.91 | 69.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 9857624 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.19 | 76.19 | $XXX | $XXX | -.0457 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0457 | 96.0 | 0.04 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 9857626 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 9857628 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.99 | 74.99 | $XXX | $XXX | -.0342 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0342 | 97.0 | 0.03 | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 9857630 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 9857636 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9857729 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.6 | 60.6 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 9862059 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 9862196 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.72 | 73.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 9896616 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 55.74 | 55.74 | $XXX | $XXX | -.0328 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0328 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9898481 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.44 | 39.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9914957 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0500 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0500 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 9915110 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 38.12 | 38.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9915518 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9918172 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.03 | 58.03 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9952685 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.41 | 74.41 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 9953966 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 9953967 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.34 | 32.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9979386 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.82 | 47.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 9979430 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 9979432 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979436 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979449 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979459 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9979462 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0714 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 9979475 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979476 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979487 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 9979498 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979513 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979533 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979552 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9979553 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0011 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0011 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 9979564 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Zero | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 9979569 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0076 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 9979586 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 9979600 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 9979613 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9980345 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 3.9 |  |
| 9980526 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 9981354 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.41 | 54.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 9983363 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.92 | 71.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 9985119 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.21 | 48.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10007013 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0244 | 1073 Individual Condo Report |  |  |  |  | $XXX | $XXX | .0244 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 10008073 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10024822 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10024827 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 68.47 | 68.47 | $XXX | $XXX | .0069 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0069 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10025413 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 10025706 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0667 | Desk Review |  |  |  |  | $XXX | $XXX | .0667 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0667 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1.7 |  |
| 10025874 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 4.6 |  |
| 10045514 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 10046501 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10046502 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 10046530 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10046561 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.71 | 68.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 10065419 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.44 | 67.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 10066054 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.09 | 35.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10083423 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084196 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 10084458 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 10084664 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 10084682 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.33 | 69.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 10084684 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.54 | 69.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 10084691 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084696 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.97 | 61.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 10084697 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084698 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 10084704 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10084706 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 10084719 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084720 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084721 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 10084729 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 32.61 | 32.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10084730 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.71 | 76.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 10084743 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.29 | 64.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 10084744 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.08 | 54.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 10084747 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.18 | 76.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 10084769 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.81 | 50.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 10084770 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 10084779 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084782 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 10084784 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 10084786 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.95 | 67.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 10084791 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 58.87 | 58.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 10084793 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0715 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0715 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 10084795 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 10084798 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 10084806 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.37 | 67.37 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 10084814 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 10084827 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084832 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10084836 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 10084837 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 10084843 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.8 | 69.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084851 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | 0.0 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 10084864 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 10084867 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084876 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10084918 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | NA | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| 10084919 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 10084939 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 10085008 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 10099742 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 10103287 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 9 - Data Compare Report (Set #2, 202 loans)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MSID** | **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 9502791 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 9502800 | XXXXX | Qualifying FICO | XXX | XXX | PWE |
| 9502853 | XXXXX | Property Type | XXX | XXX | Per Mortgage |
| 9502853 | XXXXX | Qualifying LTV | XXX | XXX | Per loan approval |
| 9502853 | XXXXX | Qualifying CLTV | XXX | XXX | Per loan approval |
| 9502903 | XXXXX | Qualifying LTV | XXX | XXX | Verified to sale price vs appraised value |
| 9502903 | XXXXX | Qualifying CLTV | XXX | XXX | Verified to sale price vs appraised value |
| 9502911 | XXXXX | Qualifying FICO | XXX | XXX | Per credit report, middle credit score |
| 9805430 | XXXXX | Originator DSCR | XXX | XXX | DSCR Ratio is XX/XX/XXXX Shows an DSCR Calculator |
| 9845298 | XXXXX | Qualifying FICO | XXX | XXX | Middle score XXX report XX/XX/XXXX |
| 9845298 | XXXXX | Qualifying CLTV | XXX | XXX | Rounding |
| 9845298 | XXXXX | Qualifying LTV | XXX | XXX | Rounding |
| 9845298 | XXXXX | Originator DSCR | XXX | XXX | Originator DSCR XX/XX/XXXX PG. XXX |
| 9857418 | XXXXX | Property Type | XXX | XXX | Verified with the appraisal |
| 9857427 | XXXXX | Property Type | XXX | XXX | The property is a XXX |
| 9857429 | XXXXX | First Payment Date | XXX | XXX | Per Note |
| 9857434 | XXXXX | Number of Units | XXX | XXX | Confirmed on appraisal, XXX |
| 9857439 | XXXXX | Sales Price | XXX | XXX | updated per contract addendum in file |
| 9857439 | XXXXX | Property Type | XXX | XXX | updated per appraisal |
| 9857441 | XXXXX | Qualifying FICO | XXX | XXX |  |
| 9857441 | XXXXX | Property Type | XXX | XXX | Verified with the appraisal |
| 9857451 | XXXXX | Property Type | XXX | XXX | Audit XXX is confirmed from the appraisal in file. |
| 9857453 | XXXXX | Qualifying FICO | XXX | XXX | Per the credit report, primary wage earner's middle of XXX scores. |
| 9857507 | XXXXX | Qualifying FICO | XXX | XXX | XXX is lower middle score of the XXX borrowers |
| 9857525 | XXXXX | Property Type | XXX |  | Per appraisal |
| 9857529 | XXXXX | Property Type | XXX | XXX | The appraisal confirms the XXX is a XXX and the Mortgage contains a Condo rider. |
| 9857551 | XXXXX | Qualifying FICO | XXX | XXX | Confirmed with Credit Report. |
| 9857554 | XXXXX | Property Type | XXX | XXX | Verified with the appraisal |
| 9857572 | XXXXX | Qualifying FICO | XXX | XXX | Reviewed and XXX |
| 9857572 | XXXXX | Property Type | XXX | XXX | Reviewed and XXX |
| 9857577 | XXXXX | Property Type | XXX | XXX | The subject is a XXX. |
| 9857600 | XXXXX | Property Type | XXX | XXX | Per Appraisal and Mortgage |
| 9857612 | XXXXX | Qualifying FICO | XXX | XXX | The primary borrower's mid score was used to qualify. The borrower's credit scores a XXX and XXX Co-borrower's scores are XXX and XXX |
| 9857612 | XXXXX | Qualifying LTV | XXX | XXX | XXX was calculated/verified based on the appraised value of XXX the subject loan XXX |
| 9857612 | XXXXX | Qualifying CLTV | XXX | XXX | XXX was calculated/verified based on the appraised value of XXX the subject loan XXX |
| 9857612 | XXXXX | Property Type | XXX | XXX | The subject property is verified as a PUD per the appraisal report. |
| 9857628 | XXXXX | Property Type | XXX | XXX | Appraisal in file reflects condo (row/XXX) |
| 9857636 | XXXXX | Sales Price | XXX | XXX | Verified with the sales contract. |
| 9857636 | XXXXX | Property Type | XXX | XXX | Verified with the appraisal |
| 9862196 | XXXXX | Property Type | XXX | XXX | True Data reflects the XXX according to the appraisal report. |
| 9862196 | XXXXX | Qualifying CLTV | XXX | XXX | True Data reflects that the Combined Loan-to-Value (CLTV) ratio was calculated by dividing the total loan amount of XXX by the appraised property value of XXX |
| 9862196 | XXXXX | Qualifying LTV | XXX | XXX | True Data reflects that the Loan-to-Value (LTV) ratio was calculated by dividing the total loan amount of XXX by the appraised property value of XXX |
| 9862196 | XXXXX | Originator DSCR | XXX | XXX | True Data reflects the DSCR based on the market rent. |
| 9898481 | XXXXX | Qualifying CLTV | XXX | XXX | Audit_verified, Property valuation loan amt $XXX/AV $900k=XXX% |
| 9898481 | XXXXX | Qualifying LTV | XXX | XXX | Audit_verified, Property valuation loan amt $XXX/AV $900k=XXX% |
| 9915518 | XXXXX | Originator DSCR | XXX | XXX | Audit DSCR of XX/XX/XXXX matches lender's DSCR of XXX. |
| 9918172 | XXXXX | Originator DSCR | XXX | XXX | Originator DSCR match with Lender approval and DSCR worksheet. |
| 9952685 | XXXXX | Qualifying CLTV | XXX | XXX | Audit_ verified, the maximum allowable 75% LTV for cash-out refinance transactions per XXXlines. XXX% is correct per property valuation calculation, {XXX}. |
| 9952685 | XXXXX | Qualifying LTV | XXX | XXX | Audit_ verified, the maximum allowable 75% LTV for cash-out refinance transactions per XXXlines. XXX% is correct per property valuation calculation, {XXX}. |
| 9953966 | XXXXX | Originator DSCR | XXX | XXX | Validated origination DSCR with lock confirmation and XXX |
| 9953967 | XXXXX | Qualifying CLTV | XXX | XXX | UW Comment: CLTV confirmed at XXX% same as LTV. No subordinate financing. Single lien position verified per preliminary title report. Subject property mortgage being paid off at closing |
| 9953967 | XXXXX | Qualifying LTV | XXX | XXX | UW Comment: LTV verified at XXX% based on loan amount of XXX divided by appraised value of XXX This matches the approval certificate and is well within GL DSCR XXX program guidelines which allow up to 75% LTV for cash-out refinance transactions at this credit tier. |
| 9953967 | XXXXX | Originator DSCR | XXX | XXX |  |
| 9983363 | XXXXX | Qualifying CLTV | XXX | XXX | Audit CLTV of 71.92% is in line with the CLTV of 71.918% on the XXX |
| 10007013 | XXXXX | Sales Price | XXX | XXX | XXX confirmed using sales contract. |
| 10007013 | XXXXX | Qualifying CLTV | XXX | XXX | XXX confirmed using loan amount of XXX and appraised value, tape data using loan amount of XXX |
| 10008073 | XXXXX | Sales Price | XXX | XXX | Audit XXX confirmed from the final CD. |
| 10008073 | XXXXX | Property Type | XXX | XXX | Appraisal confirms property is XXX units |
| 10024822 | XXXXX | Sales Price | XXX | XXX | Per appraisal |
| 10024827 | XXXXX | Qualifying CLTV | XXX | XXX | Per docs |
| 10025706 | XXXXX | Sales Price | XXX | XXX | Verified XXX using sales contract |
| 10046502 | XXXXX | Sales Price | XXX | XXX | Verified XXX using sales contract |
| 10066054 | XXXXX | Qualifying CLTV | XXX | XXX | Per docs |
| 10083423 | XXXXX | Sales Price | XXX | XXX | Verified XXX using sales contract |
| 10084196 | XXXXX | Sales Price | XXX | XXX | Verified lock date using signed lock commitment |
| 10084458 | XXXXX | Sales Price | XXX | XXX | Per docs |
| 10084720 | XXXXX | Borrower 1 Self-Employment Flag | XXX | XXX | updated per income used to qualify |
| 10084769 | XXXXX | Qualifying LTV | XXX | XXX | < XXX% variance. |
| 10084769 | XXXXX | Qualifying CLTV | XXX | XXX | < XXX% variance. |
| 10084837 | XXXXX | Interest Rate | XXX | XXX | Verified by the Note. |
| 10099742 | XXXXX | Sales Price | XXX | XXX | Verified XXX using sales contract |
| 10099742 | XXXXX | Property Type | XXX | XXX | Verified XXX using the appraisal |

---

## Exhibit 99.5

**Exhibit 99.5**

 **Schedule 10 - Property Supplemental Report (Set #2, 202 loans)**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **MSID** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** | **CDFI Lender** | **Business Purpose** |
| 9389155 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 4 | Personal | 100.00 |  |  |  | XXX |  | XXX | 12 | Yes | No | 151 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9389159 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 10 | Yes | No | 431 | No |  | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9389180 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502791 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX | Yes | Yes |
| 9502800 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 14 | 2 | 2 | No | 1 | 1 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502805 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502814 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 52 | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9502826 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | 1 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502853 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | CMG Mortgage, Inc. dba CMG Home Loans | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502855 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 10 | Yes | No | 24 | Yes | 9 | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502860 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | CMG Mortgage, Inc. dba CMG Home Loans | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502882 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 52 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502888 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502903 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | Yes | 12 | Yes | 51 | 1 | 1 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9502911 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | CMG Mortgage, Inc. dba CMG Home Loans | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 159 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9694949 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9694952 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 39 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9694983 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 110 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9694988 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9694993 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 00 | 0 | 0 |  | No | XXX |  |  |
| 9694995 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9694996 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9695014 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | Yes | 239 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9695023 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 169 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9695051 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 110 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9695063 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9695108 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | No | 478 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9695127 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9805430 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9809922 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9845298 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9848402 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857403 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857405 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 100 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857409 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 93 | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857413 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 389 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857415 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | No | XXX |  |  |
| 9857416 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857418 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 9 | No | No | 0 | No |  | 0 | 0 | No | 1 | 1 | 1 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857421 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 134 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857423 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 133 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857425 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857426 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857427 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 317 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857429 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857433 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 84 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857434 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 56 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857437 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | Absolute Home Mortgage Corporation, a New Jersey Corporation | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 64 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857438 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 140 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857439 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 2 | Business | 100.00 |  |  |  | XXX |  | XXX | 12 | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857440 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857441 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 320 | 0 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857444 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 32 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857451 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 86 | 2 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 9857453 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | CMG Mortgage, Inc. dba CMG Home Loans | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857464 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX | Yes | Yes |
| 9857468 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857471 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 118 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857475 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 75 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857482 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | Golden Empire Mortgage, Inc., a California Corporation | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 132 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857483 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 286 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857487 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857488 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX | Yes | Yes |
| 9857490 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 134 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857495 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857498 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | No | XXX |  |  |
| 9857499 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857505 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 240 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857507 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857510 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 33 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857515 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 60 | No |  | 0 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857518 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 50 | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857521 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX | XXX | 9 | Yes | No | 120 | Yes | 18 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857522 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | think one mortgage inc, a Corporation | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 210 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857524 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | Superior Lending Associates LC, a Limited Liability Corporation | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857525 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 11 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX | Yes |  |
| 9857529 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 164 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857530 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX | XX/XX/XXXX | 13 | 01/30/2025 | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857538 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 67 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857539 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | CMG Mortgage, Inc. dba CMG Home Loans | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857545 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | Yes | 32 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857549 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | Yes | 9 | Business | 100.00 |  |  |  | XXX |  | XXX | 10 | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857550 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857551 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857552 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 2 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No | Yes | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857554 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | 3 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | Yes | 294 | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857555 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 9 | Yes | No | 132 | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857571 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | PFN Lending Group, Inc., a California Corporation | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 8 | No | No | 0 | No |  | 0 | 0 | No | 1 | 1 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857572 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 360 | 2 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 9857574 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 35 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857575 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 67 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857577 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 158 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857590 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Written Verification of Employment | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 24 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857594 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 8 | No | No | 0 | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857596 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 72 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857599 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 12 | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857600 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | Advisors Mortgage Group, LLC | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857612 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX | XXX | 10 | No | No | 0 | Yes | 288 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857617 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | CMG Mortgage, Inc. dba Shining Star Funding | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 352 | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9857624 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 198 | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857626 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved | First Option Mortgage, LLC, a Limited Liability Company | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857628 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 9857630 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857636 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | 12 | Yes | No | 192 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9857729 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX | Yes | Yes |
| 9862059 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Community does not Participate | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9862196 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | Equitable Mortgage & Realty Incorporated, a California Corporation | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9896616 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9898481 | XXXXX |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 7/1 or 7/6 Mos ARM | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9914957 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 190 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9915110 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9915518 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9918172 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9952685 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9953966 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9953967 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979386 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979430 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979432 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 61 | 0 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979436 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 |  |  |  | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX |  |  |  |  | No | XXX |  |  |
| 9979449 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 11 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979459 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 1 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979462 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | No | XXX |  |  |
| 9979475 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979476 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 240 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979487 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 50 | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX | XX/XX/XXXX | 7 | 06/01/2019 | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979498 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 24 | No | No | 0 | No |  | 0 | 0 | No | 1 | 1 | 1 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979513 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | Yes | No | 46 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9979533 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 348 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979552 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX |  | XXX | 12 | Yes | No | 24 | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979553 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979564 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 3 | Personal | 100.00 |  |  |  | XXX |  | XXX | 12 | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979569 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979586 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 90 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979600 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9979613 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9980345 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business and Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX |  | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 9980526 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9981354 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 123 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 9983363 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 9985119 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10007013 | XXXXX | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  |  |  |  | Yes | Yes | 38 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10008073 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10024822 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | N/A | N/A | N/A |  | No | XXX |  | Yes |
| 10024827 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10025413 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 71 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10025706 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10025874 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 21 | 0 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10045514 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 10 | Yes | No | 0 | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10046501 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10046502 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10046530 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10046561 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10065419 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10066054 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 10083423 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No |  |  | Yes |
| 10084196 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 144 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084458 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 10084664 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 144 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10084682 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 104 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084684 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084691 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX | XXX |  |  | Yes | No | 0 | Yes | 12 | 1 | 1 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084696 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084697 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 120 | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084698 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084704 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | Yes | 6 | Business | 100.00 |  |  |  | XXX |  | XXX | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084706 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084719 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Business P&L | No | No | Yes | 3 | Business | 100.00 |  |  |  | XXX |  | XXX | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084720 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | 11 | Yes | No | 60 | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084721 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084729 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  | Yes |
| 10084730 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 27 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084743 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084744 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 47 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084747 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084769 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 54 | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084770 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Personal | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10084779 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084782 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 108 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084784 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 360 | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084786 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 33 | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084791 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10084793 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084795 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 10084798 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084806 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 72 | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084814 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 215 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084827 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  | Yes |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084832 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX | XXX |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084836 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084837 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | Yes |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084843 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084851 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 15 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084864 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084867 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 25 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10084876 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084918 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 204 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084919 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 94 | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10084939 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 13 | Business | 100.00 |  |  |  | XXX | XXX |  |  | Yes | Yes | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10085008 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 30 | No |  | 0 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 10099742 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  | Yes |
| 10103287 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | Yes | 120 | Yes | 36 | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |  |  |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex996001.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, Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates. The review included a total of 4 newly originated residential mortgage loans, in connection with MSRM 2026-NQM3 (the "Securitization"). The review began on April 1, 2025, and concluded on September 22, 2025.

**Scope of Review**

**Credit Review**

Digital Risk performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

a. <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,

b. <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

c. <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

d. <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 Visio's guidelines.

e. <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;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

f. <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

g. <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

h. <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

i. <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)

**Compliance Review**

Digital Risk performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

a. 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;

b. <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.

c. 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
 Affidavit (must state that borrower(s) or if borrower is a business entity, the member(s)
 and/or officer(s) of that business entity, including immediate family members of the
 same, will not reside in the property or claimed as primary or secondary residence)

&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

d. <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.

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

a. <u>Review Appraisal</u> 

b. Digital
 Risk's review will include a review of the valuation materials utilized during
 the origination of the loan and in confirming the value of the underlying property. Digital
 Risk's review will include verifying the appraisal report:

c. On
 the appropriate appraisal form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. 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;f. 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;g. 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;h. Determine
 whether the appraised value is supported at or within 90% based on a third-party valuation
 product. If a third-party valuation product is in file, but notes less than 90% of the
 appraised value or an inconclusive value, Digital Risk will review other third-party
 product(s) in the file to ensure the correct value was applied per Client Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. With
 regard to the use of comparable properties, Digital Risk 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;j. 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.

d. 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.

e. 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.

f. 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.

**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 4 properties (4 loans) where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;No Discrepancies | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**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;4 | &nbsp;&nbsp;$594900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;4 | &nbsp;&nbsp;$594900.00 | &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;4 | &nbsp;&nbsp;$594900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;4 | &nbsp;&nbsp;$594900.00 | &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;4 | &nbsp;&nbsp;$594900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;4 | &nbsp;&nbsp;$594900.00 | &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;4 | &nbsp;&nbsp;$594900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;4 | &nbsp;&nbsp;$594900.00 | &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 and reconciliation 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.  |
| &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 99.6

**Exhibit 99.6**

 **Schedule 1 - Data Integrity Report**

---

| | | |
|:---|:---|:---|
| **Loan Count:** | 4 |  |
| **Fields Reviewed** | **Count** | **Percentage** |
| No Discrepancies | 0 | 0.00% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Count:** | 4 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |

---

## Exhibit 99.6

**Exhibit 99.6**

 **Schedule 2 - Rebuttal Findings Report**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | **Exception Rebuttal** | **Exception Response** | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 9139649 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139649 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139649 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - 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 original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139625 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 9139625 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOE Self-Employed/Missing | XXXX | Guidelines indicate underwriter to re-verify the entity's good standing status directly through the Secretary of State. The proof of good standing will expire simultaneously with the underwriting approval expiration, or within 30 days, whichever is greater. The loan file contains the business search during the beginning process, verified through \*\*XXXX\*\* SOS website, however, the re-verify of the entity's good standing status was not obtained during the closing process. | Resolved | **Rebuttal 1 (XX/XX/XXXX XXXXPM)<br> The current POGS reflects a XX/XX/XXXX report date, which is within 30 days of the XX/XX/XXXX close date.<br>**  | **Response 1 (XX/XX/XXXX XXXXPM)<br> Documentation received is sufficient. (Resolved)<br>**  |  |  | 3 | 1 | 3 | 1 |
| XXXX | 9139625 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - 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 which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 9139629 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139629 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9139629 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - 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 which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9605977 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9605977 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 9605977 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - 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 which supports the opinion of value in the origination appraisal report. |  |  |  |  |  | 1 | 1 | 1 | 1 |

---

## Exhibit 99.6

**Exhibit 99.6**

 **Schedule 3 - Rating Agency Grades Report**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 9139629 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139649 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 9139625 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 9605977 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.6

**Exhibit 99.6**

 **Schedule 4 - Valuation 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** | **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** | **AVM FSD 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 | 9139649 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9605977 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139629 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1025 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 9139625 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

![](image_001.gif)

**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 Morgan Stanley Mortgage Capital Holdings LLC and/or its affiliates ("Client"). The review was conducted between March 28 2025 and February 17 2026, 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 of 13 QM loans, 44 NQM loans, and 272 ATR-QM Exempt for a total of 329 loans (the "Final Securitization Population").

*<u>Credit Reviews (329):</u>*

During the Review, Selene performed a credit review on 329 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (329):</u>*

During the Review, Selene performed a compliance review, when applicable on 329 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (329):</u>*

During the Review, Selene performed a property valuation review on 329 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (329):</u>*

During the Review, Selene performed a Data Integrity Review on 329 mortgage loans in the Final Securitization

Population.

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 329 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; 329<br>| &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;329 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;329 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;329 | &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, S&P Global Ratings ("S&P"), Moody's Investors Service, Inc. ("Moody's"), DBRS, Inc. ("DBRS"), 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>**

AUS Jumbo Product Profile, Desktop Underwriter, Loan Product Advisor, Kind Lending Non-Agency Program Guidelines, CV3 Financial Services Underwriting Procedures, Business Purpose Capital Underwriting Guidelines, LoanStream One Guide, ROC Capitals Single Property Rental Guidelines (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.

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

**<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, attached hereto).

**CREDIT REVIEW**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the Automated Underwriting System output, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that are provided to Selene and/or as directed by Client.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **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.

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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 329 mortgage loans, (ii) a Compliance Review on 329 mortgage loans (iii) a Valuation Review on 329 mortgage loans, and (iv) a Data Integrity Review on 329 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 329 mortgage loans; 318 mortgage loans had a rating grade of A, 11 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.

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| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** | &nbsp;&nbsp; ***Grades per loan (329 overall loans):*** |  |  |  |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;202 | &nbsp;&nbsp;202 | &nbsp;&nbsp;202 | &nbsp;&nbsp;202 | &nbsp;&nbsp;61.40% | &nbsp;&nbsp;A | &nbsp;&nbsp;318 | &nbsp;&nbsp;318 | &nbsp;&nbsp;318 | &nbsp;&nbsp;318 | &nbsp;&nbsp;318 | &nbsp;&nbsp;96.66% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.34% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;55 | &nbsp;&nbsp;16.72% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;71 | &nbsp;&nbsp;71 | &nbsp;&nbsp;71 | &nbsp;&nbsp;71 | &nbsp;&nbsp;21.58% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** | &nbsp;&nbsp; ****<br> ****<br> ***Final Grades per loan broken out by compliance, credit and property:***<br> **** |  |  |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &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** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;328 | &nbsp;&nbsp;328 | &nbsp;&nbsp;328 | &nbsp;&nbsp;328 | &nbsp;&nbsp;99.70% | &nbsp;&nbsp;319 | &nbsp;&nbsp;319 | &nbsp;&nbsp;319 | &nbsp;&nbsp;319 | &nbsp;&nbsp;319 | &nbsp;&nbsp;96.96% | &nbsp;&nbsp;96.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.04% | &nbsp;&nbsp;3.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;329 | &nbsp;&nbsp;329 | &nbsp;&nbsp;329 | &nbsp;&nbsp;329 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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**APPENDIX A**

**QM AND AGENCY ELIGBLE 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 were 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.

**I. Credit Review**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the Automated Underwriting System output, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that are provided to Selene and/or as directed by Client.

**Credit Application**

For the Credit Application, Selene verified whether the borrower information on the application matches the information listed on the Automated Underwriting System output.

**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;

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather liabilities listed on the report to be included in the debt to income ratio as appropriate; and

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that FICO scores on Automated Underwriting System output match credit report in file.

**Employment and Income**

Selene determined whether all applicable documentation to support income included on Automated Underwriting System output is included in file.

**Asset Review**

Selene assessed whether the asset documentation shown on the Automated Underwriting System output was present in the file.

**Hazard/Flood insurance** 

A review of the insurance present on the loan will also be performed, as applicable:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verified that the hazard insurance meets the minimum required amount of coverage shown on the Automated
Underwriting System output;

&nbsp;&nbsp;&nbsp;&nbsp;2. Confirmed 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;3. For properties in a flood zone per the flood cert, confirmed that flood insurance meets guideline requirements
in the file and meets the minimum required amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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**DU/LP Review Components (as applicable)**

The most current DU/LP form provided in the loan file was be reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed and capture recommendation;

&nbsp;&nbsp;&nbsp;&nbsp;2. Verified that red flags listed on the DU/LP were addressed by the underwriter;

&nbsp;&nbsp;&nbsp;&nbsp;3. All listed credit conditions were cleared by the underwriter; and

&nbsp;&nbsp;&nbsp;&nbsp;4. The final DU/LP in the file contains data that matches the data gathered from documents in the file.

**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 be reported to the Client. All red flag issues will be addressed. In addition, Selene will 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. Selene may order a fraud report at Client's expense when one is not present in the file.

On this report Selene:

* Reviewed for any name variations for the borrowers
and confirm that the variations have been addressed in the loan file;

* Reviewed for any social security number variations
for the borrowers and confirm that the variations have been addressed in the loan file;

* Reviewed for any potential occupancy issues based
on the borrowers' address history and confirm that any issues have been addressed in the loan file;

* Reviewed for any employment issues and confirm that
any issues have been addressed in the loan file;

* 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

* Addressed all red flag issues.

**II. Compliance Review**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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| | | |
|:---|:---|:---|
| | i) | APR threshold test; and |
| | ii) | compliance with the escrow account and appraisal requirements. |
| f) | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> | <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> |

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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.

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

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

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

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

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

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

**2.** **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> 

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

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> 

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

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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

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| | |
|:---|:---|
| 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; |
| 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)<br>ix)<br>x) | confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing.<br> confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and<br> 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.<br>|

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

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

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability were 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;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) 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;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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 are discussing 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 industry group proposal.)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay 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 (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 <u>et seq. and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.</u> *)*;
and

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

Selene 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). Selene determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Selene notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Selene notes if an originator mortgage loan designation was not provided.

**<u>Qualified Mortgage</u>**

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Selene reviewed 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.

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, Selene reviewed the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Selene 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, Selene then determined whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Selene 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>**

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

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

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

Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

&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;

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.

 **6. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**7. Recording Review**

Selene noted the presence of recorded documents, when available. Selene verifed that documents in the file (most typically closing instructions) include 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.

**8. Valuation Review**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene will verify 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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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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; and (viii) 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.

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 shall 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 Selene's review results in a variance of more than 10% then the Client was notified of such variance and an additional independent valuation product shall be ordered. On all loans, Selene made 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.

**III. Title Review** 

To facilitate this review, the Client provided Selene with identifying data on the subject population of mortgage loans, including (i) mortgage loan and servicer identification numbers, (ii) subject property address, (iii) borrower names, (iv) origination date, (v) original mortgage loan amount for the subject mortgage, and (vi) title policies from origination as it relates to the subject mortgage. Using the data provided, Selene will order a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, Selene identified whether or not the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments as well as subject mortgage not of record.

**IV. Collateral Review**

Selene reviewed each mortgage loan file and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent (where applicable):

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

&nbsp;&nbsp;&nbsp;&nbsp;b) Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;c) Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;d) Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;e) Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;f) Note;

&nbsp;&nbsp;&nbsp;&nbsp;g) Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;h) Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;i) Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;j) Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;k) Initial, interim and final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;l) Loan Estimates; and

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

m) Closing Disclosures.

**Non-QM Scope**

**Credit Review**

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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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

**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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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**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.

**Superior Lien Review**

As applicable, Selene shall:

&nbsp;&nbsp;&nbsp;&nbsp;**1.** Capture superior lien outstanding loan amount and current payment amounts to validate CLTV and PITIA for DSCR calculations;

&nbsp;&nbsp;&nbsp;&nbsp;**2.** Review the original senior lien note to ensure eligible senior lien loan type adhere to the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;**3.** Review the current mortgage statements for existing senior lien payments.

**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:

* Reviewed for any name variations for the borrowers
and confirm that the variations have been addressed in the loan file;

* Reviewed for any social security number variations
for the borrowers and confirm that the variations have been addressed in the loan file;

* Reviewed for any potential occupancy issues based
on the borrowers' address history and confirm that any issues have been addressed in the loan file;

* Reviewed for any employment issues and confirm that
any issues have been addressed in the loan file;

* 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;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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&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.

**Compliance Review**

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

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

&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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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;g) <u>Homeownership counseling (§1026.36):</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator organization
 and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security
 instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time. 

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

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

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

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

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

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

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employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**DSCR Scope**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the Guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the Guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the Guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the Guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

![](image_001.gif)

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets Guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

MSRM 2026-NQM3 Executive Summary (Selene Diligence)

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 1 - Rating Agency Grades Summary Report**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 9129192 | XXXX A |
| XXXX |  | 9129236 | XXXX A |
| XXXX |  | 9129257 | XXXX C A |
| XXXX |  | 9129334 | XXXX A |
| XXXX |  | 9186121 | XXXX A |
| XXXX |  | 9186123 | XXXX A D |
| XXXX |  | 9186124 | XXXX A |
| XXXX |  | 9226599 | XXXX D A B |
| XXXX |  | 9246374 | XXXX A D |
| XXXX |  | 9218060 | XXXX C A |
| XXXX |  | 9246529 | XXXX A |
| XXXX |  | 9448073 | XXXX A |
| XXXX |  | 9448089 | XXXX A |
| XXXX |  | 9389292 | XXXX D A |
| XXXX |  | 9389108 | XXXX A D |
| XXXX |  | 9389300 | XXXX C A |
| XXXX |  | 9389238 | XXXX C A |
| XXXX |  | 9389104 | XXXX C A B |
| XXXX |  | 9389113 | XXXX D A |
| XXXX |  | 9389291 | XXXX C A |
| XXXX |  | 9389240 | XXXX C A |
| XXXX |  | 9389289 | XXXX A |
| XXXX |  | 9694936 | XXXX D A |
| XXXX |  | 9732609 | XXXX A |
| XXXX |  | 9732664 | XXXX C A |
| XXXX |  | 9732602 | XXXX C A |
| XXXX |  | 9389308 | XXXX A D |
| XXXX |  | 9732660 | XXXX C D A |
| XXXX |  | 9732661 | XXXX D A |
| XXXX |  | 9732582 | XXXX C A D |
| XXXX |  | 9732615 | XXXX C A |
| XXXX |  | 9732583 | XXXX D A |
| XXXX |  | 9732596 | XXXX C D A |
| XXXX |  | 9694978 | XXXX A |
| XXXX |  | 9694997 | XXXX C D A B |
| XXXX |  | 9732589 | XXXX C A B |
| XXXX |  | 9695037 | XXXX C A |
| XXXX |  | 9694959 | XXXX A |
| XXXX |  | 9732561 | XXXX C A |
| XXXX |  | 9732658 | XXXX A D |
| XXXX |  | 9695116 | XXXX A |
| XXXX |  | 9694923 | XXXX A |
| XXXX |  | 9695012 | XXXX A |
| XXXX |  | 9732630 | XXXX C A D |
| XXXX |  | 9695032 | XXXX D C A B |
| XXXX |  | 9732585 | XXXX A |
| XXXX |  | 9856920 | XXXX D A C |
| XXXX |  | 9856921 | XXXX A |
| XXXX |  | 9856922 | XXXX D A |
| XXXX |  | 9856923 | XXXX A |
| XXXX |  | 9856924 | XXXX A |
| XXXX |  | 9856925 | XXXX A |
| XXXX |  | 9856926 | XXXX A C |
| XXXX |  | 9856927 | XXXX C D A |
| XXXX |  | 9856931 | XXXX A |
| XXXX |  | 9856932 | XXXX A |
| XXXX |  | 9856936 | XXXX A |
| XXXX |  | 9856938 | XXXX C A |
| XXXX |  | 9856939 | XXXX A |
| XXXX |  | 9856940 | XXXX A |
| XXXX |  | 9856941 | XXXX D A |
| XXXX |  | 9856942 | XXXX A |
| XXXX |  | 9856943 | XXXX A |
| XXXX |  | 9856944 | XXXX A |
| XXXX |  | 9856945 | XXXX A |
| XXXX |  | 9856946 | XXXX A |
| XXXX |  | 9856947 | XXXX D A |
| XXXX |  | 9856948 | XXXX A |
| XXXX |  | 9856949 | XXXX A D |
| XXXX |  | 9856952 | XXXX A |
| XXXX |  | 9856954 | XXXX A |
| XXXX |  | 9856955 | XXXX A |
| XXXX |  | 9856956 | XXXX A |
| XXXX |  | 9856957 | XXXX A |
| XXXX |  | 9856958 | XXXX C A |
| XXXX |  | 9856959 | XXXX A |
| XXXX |  | 9856960 | XXXX D A |
| XXXX |  | 9856961 | XXXX A |
| XXXX |  | 9856962 | XXXX A |
| XXXX |  | 9856963 | XXXX A |
| XXXX |  | 9856964 | XXXX A |
| XXXX |  | 9856965 | XXXX A |
| XXXX |  | 9856966 | XXXX A |
| XXXX |  | 9856967 | XXXX A D |
| XXXX |  | 9856968 | XXXX A |
| XXXX |  | 9856969 | XXXX D A |
| XXXX |  | 9856970 | XXXX A |
| XXXX |  | 9856972 | XXXX D A |
| XXXX |  | 9856973 | XXXX A |
| XXXX |  | 9856974 | XXXX A D |
| XXXX |  | 9856975 | XXXX A |
| XXXX |  | 9856976 | XXXX A |
| XXXX |  | 9856977 | XXXX A |
| XXXX |  | 9856978 | XXXX C A |
| XXXX |  | 9856979 | XXXX C A |
| XXXX |  | 9856980 | XXXX D A |
| XXXX |  | 9856981 | XXXX C A |
| XXXX |  | 9856982 | XXXX A |
| XXXX |  | 9856983 | XXXX A |
| XXXX |  | 9856984 | XXXX A |
| XXXX |  | 9856985 | XXXX D A |
| XXXX |  | 9856986 | XXXX A |
| XXXX |  | 9856987 | XXXX C A |
| XXXX |  | 9856988 | XXXX A |
| XXXX |  | 9856989 | XXXX A |
| XXXX |  | 9856990 | XXXX A |
| XXXX |  | 9856991 | XXXX A |
| XXXX |  | 9856992 | XXXX C A |
| XXXX |  | 9856993 | XXXX A |
| XXXX |  | 9856995 | XXXX A |
| XXXX |  | 9856997 | XXXX A |
| XXXX |  | 9856998 | XXXX A |
| XXXX |  | 9856999 | XXXX A |
| XXXX |  | 9857000 | XXXX A |
| XXXX |  | 9857001 | XXXX A |
| XXXX |  | 9857002 | XXXX D A |
| XXXX |  | 9857003 | XXXX A |
| XXXX |  | 9857004 | XXXX A |
| XXXX |  | 9857005 | XXXX A |
| XXXX |  | 9857006 | XXXX C A |
| XXXX |  | 9857007 | XXXX D A |
| XXXX |  | 9857008 | XXXX A |
| XXXX |  | 9857010 | XXXX A |
| XXXX |  | 9857011 | XXXX D A |
| XXXX |  | 9857012 | XXXX A |
| XXXX |  | 9857013 | XXXX A |
| XXXX |  | 9857017 | XXXX A |
| XXXX |  | 9857018 | XXXX A |
| XXXX |  | 9857020 | XXXX A |
| XXXX |  | 9857021 | XXXX D A |
| XXXX |  | 9857022 | XXXX A |
| XXXX |  | 9857023 | XXXX C A |
| XXXX |  | 9857024 | XXXX C A D |
| XXXX |  | 9857025 | XXXX A |
| XXXX |  | 9857026 | XXXX C A |
| XXXX |  | 9857027 | XXXX A |
| XXXX |  | 9857029 | XXXX A |
| XXXX |  | 9857030 | XXXX A |
| XXXX |  | 9857031 | XXXX A |
| XXXX |  | 9857032 | XXXX A |
| XXXX |  | 9857033 | XXXX C A |
| XXXX |  | 9857034 | XXXX A |
| XXXX |  | 9857036 | XXXX A D |
| XXXX |  | 9857037 | XXXX A |
| XXXX |  | 9857039 | XXXX C A |
| XXXX |  | 9857040 | XXXX A |
| XXXX |  | 9857041 | XXXX A D |
| XXXX |  | 9857042 | XXXX A |
| XXXX |  | 9857043 | XXXX A |
| XXXX |  | 9857044 | XXXX A |
| XXXX |  | 9857045 | XXXX A |
| XXXX |  | 9857047 | XXXX C A |
| XXXX |  | 9857048 | XXXX A |
| XXXX |  | 9857049 | XXXX B A |
| XXXX |  | 9857050 | XXXX C A |
| XXXX |  | 9857051 | XXXX D A |
| XXXX |  | 9857052 | XXXX A D |
| XXXX |  | 9857053 | XXXX A |
| XXXX |  | 9857054 | XXXX A |
| XXXX |  | 9857056 | XXXX A |
| XXXX |  | 9857057 | XXXX A |
| XXXX |  | 9857058 | XXXX A |
| XXXX |  | 9857059 | XXXX A |
| XXXX |  | 9857060 | XXXX A |
| XXXX |  | 9857062 | XXXX C A |
| XXXX |  | 9857063 | XXXX A |
| XXXX |  | 9857064 | XXXX A D |
| XXXX |  | 9857065 | XXXX A |
| XXXX |  | 9857066 | XXXX A |
| XXXX |  | 9857067 | XXXX C A |
| XXXX |  | 9857068 | XXXX C A |
| XXXX |  | 9857069 | XXXX A |
| XXXX |  | 9857070 | XXXX A |
| XXXX |  | 9857071 | XXXX A |
| XXXX |  | 9857072 | XXXX A |
| XXXX |  | 9857074 | XXXX A |
| XXXX |  | 9857075 | XXXX A |
| XXXX |  | 9857076 | XXXX A |
| XXXX |  | 9857077 | XXXX A |
| XXXX |  | 9857078 | XXXX A |
| XXXX |  | 9857079 | XXXX C A |
| XXXX |  | 9857080 | XXXX A D |
| XXXX |  | 9857081 | XXXX A |
| XXXX |  | 9857082 | XXXX A D |
| XXXX |  | 9857083 | XXXX A |
| XXXX |  | 9857084 | XXXX A |
| XXXX |  | 9857085 | XXXX A |
| XXXX |  | 9857086 | XXXX A |
| XXXX |  | 9857087 | XXXX A |
| XXXX |  | 9857088 | XXXX D A |
| XXXX |  | 9857089 | XXXX A |
| XXXX |  | 9856919 | XXXX A |
| XXXX |  | 9856929 | XXXX A |
| XXXX |  | 9856933 | XXXX C A |
| XXXX |  | 9856934 | XXXX A |
| XXXX |  | 9856935 | XXXX A |
| XXXX |  | 9856950 | XXXX C A |
| XXXX |  | 9856953 | XXXX C A |
| XXXX |  | 9856994 | XXXX A |
| XXXX |  | 9857009 | XXXX A |
| XXXX |  | 9857015 | XXXX C A D |
| XXXX |  | 9857016 | XXXX A |
| XXXX |  | 9857019 | XXXX A |
| XXXX |  | 9857038 | XXXX D A |
| XXXX |  | 9857055 | XXXX A |
| XXXX |  | 9857073 | XXXX A |
| XXXX |  | 9732605 | XXXX D A |
| XXXX |  | 9732607 | XXXX A D |
| XXXX |  | 9732647 | XXXX A |
| XXXX |  | 9732552 | XXXX D A |
| XXXX |  | 9957201 | XXXX A |
| XXXX |  | 9957205 | XXXX C A B |
| XXXX |  | 9957206 | XXXX A |
| XXXX |  | 9957208 | XXXX A |
| XXXX |  | 9957209 | XXXX A |
| XXXX |  | 9957210 | XXXX A D |
| XXXX |  | 9957211 | XXXX D A |
| XXXX |  | 9957212 | XXXX A |
| XXXX |  | 9957214 | XXXX A |
| XXXX |  | 9957217 | XXXX A |
| XXXX |  | 9957218 | XXXX A |
| XXXX |  | 9957219 | XXXX A |
| XXXX |  | 9957220 | XXXX C A |
| XXXX |  | 9957221 | XXXX A |
| XXXX |  | 9957222 | XXXX D A |
| XXXX |  | 9957224 | XXXX A |
| XXXX |  | 9957225 | XXXX A |
| XXXX |  | 9957226 | XXXX A |
| XXXX |  | 9957227 | XXXX A |
| XXXX |  | 9957228 | XXXX A |
| XXXX |  | 9957229 | XXXX A |
| XXXX |  | 9957231 | XXXX A |
| XXXX |  | 9957232 | XXXX A |
| XXXX |  | 9957233 | XXXX A |
| XXXX |  | 9957234 | XXXX A D |
| XXXX |  | 9957235 | XXXX A |
| XXXX |  | 9957236 | XXXX A |
| XXXX |  | 9957237 | XXXX A |
| XXXX |  | 9957240 | XXXX A |
| XXXX |  | 9957241 | XXXX A |
| XXXX |  | 9957242 | XXXX A |
| XXXX |  | 9957243 | XXXX A |
| XXXX |  | 9957244 | XXXX A |
| XXXX |  | 9957245 | XXXX A |
| XXXX |  | 9957246 | XXXX A |
| XXXX |  | 9957247 | XXXX A |
| XXXX |  | 9957249 | XXXX A |
| XXXX |  | 9957250 | XXXX A |
| XXXX |  | 9957252 | XXXX A |
| XXXX |  | 9957253 | XXXX A |
| XXXX |  | 9957254 | XXXX A |
| XXXX |  | 9957255 | XXXX A |
| XXXX |  | 9957262 | XXXX A |
| XXXX |  | 9957263 | XXXX A |
| XXXX |  | 9957264 | XXXX D A |
| XXXX |  | 9957265 | XXXX A |
| XXXX |  | 9957266 | XXXX A |
| XXXX |  | 9957267 | XXXX A |
| XXXX |  | 9957268 | XXXX A |
| XXXX |  | 9957269 | XXXX C A |
| XXXX |  | 9957270 | XXXX A |
| XXXX |  | 9957271 | XXXX D A |
| XXXX |  | 9957273 | XXXX A |
| XXXX |  | 9957274 | XXXX A |
| XXXX |  | 9957275 | XXXX A |
| XXXX |  | 9957276 | XXXX A |
| XXXX |  | 9957277 | XXXX A |
| XXXX |  | 9957278 | XXXX C A |
| XXXX |  | 9957279 | XXXX A |
| XXXX |  | 9957280 | XXXX A |
| XXXX |  | 9957281 | XXXX A |
| XXXX |  | 9957282 | XXXX A |
| XXXX |  | 9957310 | XXXX A |
| XXXX |  | 9957213 | XXXX A |
| XXXX |  | 9957216 | XXXX C A |
| XXXX |  | 9957223 | XXXX A D |
| XXXX |  | 9957239 | XXXX A |
| XXXX |  | 9957248 | XXXX A |
| XXXX |  | 9957256 | XXXX A D |
| XXXX |  | 9957283 | XXXX A |
| XXXX |  | 9695050 | XXXX C A B |
| XXXX |  | 9732564 | XXXX D A |
| XXXX |  | 9979400 | XXXX C B A |
| XXXX |  | 9979485 | XXXX A D |
| XXXX |  | 9983914 | XXXX A |
| XXXX |  | 9983916 | XXXX D A |
| XXXX |  | 9983917 | XXXX A |
| XXXX |  | 9983918 | XXXX A |
| XXXX |  | 9983921 | XXXX A |
| XXXX |  | 9983922 | XXXX A |
| XXXX |  | 9983923 | XXXX C A |
| XXXX |  | 9983924 | XXXX A |
| XXXX |  | 9983925 | XXXX A |
| XXXX |  | 9983928 | XXXX A |
| XXXX |  | 9983931 | XXXX C A |
| XXXX |  | 9983936 | XXXX C A B |
| XXXX |  | 9983938 | XXXX A |
| XXXX |  | 9979497 | XXXX A C |
| XXXX |  | 9979394 | XXXX D A |
| XXXX |  | 9979477 | XXXX A |
| XXXX |  | 9985031 | XXXX C A |
| XXXX |  | 9985044 | XXXX A |
| XXXX |  | 9985071 | XXXX D A |
| XXXX |  | 9984966 | XXXX D A |
| XXXX |  | 9985020 | XXXX A |
| XXXX |  | 10084695 | XXXX A |
| XXXX |  | 9979422 | XXXX C A |
| XXXX |  | 9979421 | XXXX C A B |
| XXXX |  | 10084848 | XXXX D A |
| XXXX |  | 9979435 | XXXX D A |
| XXXX |  | 10084723 | XXXX D A |
| XXXX |  | 10084761 | XXXX A |
| XXXX |  | 10084835 | XXXX D A B |
| XXXX |  | 10084870 | XXXX D A |
| XXXX |  | 10084850 | XXXX A D |
| XXXX |  | 10084817 | XXXX D C A |
| XXXX |  | 10084859 | XXXX A |
| XXXX |  | 9979582 | XXXX A |
| XXXX |  | 10084808 | XXXX C A B |
| XXXX |  | 10084686 | XXXX A |
| XXXX |  | 10085014 | XXXX C A |
| XXXX |  | 10084969 | XXXX C A |
| XXXX |  | 10085007 | XXXX A |
| XXXX |  | 10084893 | XXXX A |
| XXXX |  | 10084857 | XXXX C A |
| XXXX |  | 10084665 | XXXX D A |
| XXXX |  | 10084882 | XXXX C D A |
| XXXX |  | 10084749 | XXXX C A |
| XXXX |  | 10084856 | XXXX A C |

---

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 2 - Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 9129192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| XXXX |  | 9129236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9129257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9129334 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.65 | 73.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9186121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9186123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9186124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9226599 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.82 | 56.82 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9246374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9218060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX |  | 9246529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9448073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9448089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9389292 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.9 | 84.9 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 9389300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9389238 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 9389113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389291 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9694936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732664 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9389308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 9732583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9694978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 9694997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9695037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9694959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.6 | XXXX |
| XXXX |  | 9732561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732658 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 67.38 | 67.38 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9695116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9694923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0086 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0086 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0086 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9695012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 9732630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| XXXX |  | 9695032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 3.1 | XXXX |
| XXXX |  | 9732585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9856920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.27 | 70.27 | XXXX | XXXX | -.1189 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1189 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.0 | 79.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0114 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0486 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0486 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856927 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0379 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0379 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0530 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1739 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | -.0476 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .2404 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1765 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1765 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .1765 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0739 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0397 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1972 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | -.0514 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0811 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | -.0081 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.0 | 73.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0256 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .3363 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1167 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1800 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0143 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0286 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856968 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.02 | 30.02 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0690 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0690 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 76.88 | 76.88 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0417 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0417 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .2000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .2000 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .2000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1792 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0244 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0178 | 1075 Exterior Only Inspection Condo Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0178 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0566 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0189 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 82.64 | 82.64 | XXXX | XXXX | .1019 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1019 | XXXX | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .1019 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.22 | 74.22 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0104 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0667 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0667 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.85 | 38.85 | XXXX | XXXX | .0038 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0038 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0811 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0500 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0333 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0333 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.06 | 32.06 | XXXX | XXXX | -.0254 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0254 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.14 | 48.14 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0027 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0027 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1622 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .1413 | 1004 URAR | XXXX | XXXX |  |  | XXXX | XXXX | .1413 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .1413 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | -.0896 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.34 | 68.34 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0294 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0360 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0360 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0654 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1144 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0779 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0788 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.2239 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2239 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.0 | 73.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Resonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0079 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0204 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.0 | 64.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0488 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0488 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857039 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857040 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857041 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0960 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0960 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0152 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0152 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.15 | 66.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.73 | 72.73 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0655 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1898 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .2609 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2609 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.38 | 38.38 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0970 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0545 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.93 | 74.93 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0182 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0733 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0733 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.1935 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1935 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0672 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0096 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | -.0619 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Resonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0052 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0081 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0505 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0505 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0625 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0870 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.0 | 63.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.0 | 63.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.71 | 65.71 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0027 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.1525 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | -.0039 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.1406 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9856994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | -.0566 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9857073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9732605 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.53 | 69.53 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.04 | 28.04 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9732647 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9732552 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.15 | 33.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957205 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957206 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957208 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957210 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | -.0230 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0230 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957211 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1200 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957212 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957214 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.0 | 59.0 | XXXX | XXXX | -.0632 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0632 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957217 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957219 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | -.0657 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0657 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957220 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1351 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957222 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0638 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957226 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | .0909 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0400 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957231 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957232 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.38 | 69.38 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957233 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.79 | 68.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.43 | 69.43 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.23 | 69.23 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957236 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.79 | 68.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957237 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0714 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1957 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.84 | 69.84 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957243 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957245 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0918 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957246 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.03 | 63.03 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957247 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957253 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957254 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0348 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957255 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0491 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0491 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957262 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.5 | 74.5 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1066 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 78.75 | 78.75 | XXXX | XXXX | -.0463 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .0500 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0462 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957264 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.07 | 60.07 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957265 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | -.0896 | XXXX | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957266 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957267 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0172 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957268 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957269 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957270 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0090 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.52 | 64.52 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957275 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0939 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957277 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .1515 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | .1515 | XXXX | 1004 URAR |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .1515 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957279 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0974 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Excellent | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957282 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0377 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957310 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0039 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0233 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 73.24 | 73.24 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9957283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9695050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.8 | XXXX |
| XXXX |  | 9732564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9979400 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.95 | 28.95 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9979485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0281 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | -.0281 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9983914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| XXXX |  | 9983916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9983917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9983918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.7 | XXXX |
| XXXX |  | 9983921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9983922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 9983923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 88.89 | 88.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX |  | 9983924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.9 | 89.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9983925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.91 | 89.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 9983928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.55 | 89.55 | XXXX | XXXX | .0078 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 9983931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 83.21 | 83.21 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| XXXX |  | 9983936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.95 | 89.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.1 | XXXX |
| XXXX |  | 9983938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9979497 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 69.15 | 69.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9979394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9979477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9985031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.0 | 72.0 | XXXX | XXXX | .0676 | 2055 Exterior Only Inspection Report | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0676 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9985044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9985071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.88 | 78.88 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 |  | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 9979422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.34 | 77.34 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 9979421 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9979435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.79 | 44.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.1 | XXXX |
| XXXX |  | 10084723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 10084761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.3 | XXXX |
| XXXX |  | 10084835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 10084870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 10084817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| XXXX |  | 10084859 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.0 | 25.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 9979582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.5 | XXXX |
| XXXX |  | 10084686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.6 | XXXX |
| XXXX |  | 10085014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10085007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.4 | XXXX |
| XXXX |  | 10084857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.89 | 74.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 2.4 | XXXX |
| XXXX |  | 10084665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |
| XXXX |  | 10084882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.01 | 71.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1.2 | XXXX |
| XXXX |  | 10084749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Noted | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |
| XXXX |  | 10084856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  | 0.0 |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 | XXXX |

---

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 3 - Data Compare Report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 9129192 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129192 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129192 | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129192 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129236 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129236 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129257 | XXXX | Personal Guaranty | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129257 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9129334 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9129334 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9186121 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9186123 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9186123 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9186124 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9186124 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9226599 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9246374 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9218060 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9218060 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9218060 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9246529 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448073 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9448089 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389292 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389292 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389292 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389292 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389108 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389300 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389300 | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9389300 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389300 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389300 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389300 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389238 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389238 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389238 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389238 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389238 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389104 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389104 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389104 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389104 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389113 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389113 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389113 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389113 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389113 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389291 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389291 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389291 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389291 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389291 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389291 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389240 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389240 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389240 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389240 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389240 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389240 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9389289 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694936 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732609 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732664 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732664 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732664 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732664 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732602 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9389308 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732660 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732660 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732661 | XXXX | Escrow Indicator | hudClosingDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732582 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732615 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732615 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732583 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732583 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732596 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732596 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732596 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732596 | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694978 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694997 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694997 | XXXX | Mortgage Insurance Flag | mortgageInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694997 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732589 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695037 | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695037 | XXXX | Mortgage Insurance Flag | disclosuresPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695037 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695037 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694959 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9694959 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694959 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694959 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694959 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732561 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732561 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732561 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732561 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732658 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732658 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732658 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694923 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694923 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9694923 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9695012 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695012 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695012 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732630 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732630 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695032 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695032 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732585 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732585 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9732585 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856920 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856920 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856922 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856922 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856922 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856923 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856923 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856923 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856924 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856924 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856924 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856925 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856925 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856925 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856925 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856925 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856926 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856926 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856926 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856927 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856932 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856936 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856938 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856938 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856938 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856938 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856940 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856940 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856940 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856941 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856941 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856942 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856943 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856944 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856944 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856944 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856946 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856952 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856956 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856956 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856956 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856956 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856956 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856956 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856957 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856957 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9856957 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856958 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856958 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856958 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856959 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856959 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856959 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856960 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856960 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856960 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856960 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856960 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856961 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856962 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856963 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856963 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856964 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856965 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856965 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856965 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856966 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856966 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856968 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856969 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856969 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856972 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856972 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856972 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856972 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856974 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856974 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856974 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856974 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856976 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856976 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856978 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856979 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856979 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856979 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856979 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856980 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856981 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856981 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856982 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856982 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856983 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856983 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856983 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856983 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856983 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856986 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856986 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856986 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856988 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856991 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856992 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856992 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856992 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856992 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856992 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856993 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856995 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856997 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856998 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856999 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856999 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856999 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857000 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857003 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857004 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857010 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857011 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857011 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857011 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857011 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857011 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857011 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857012 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857018 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857018 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857018 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857018 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857018 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857020 | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857020 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857021 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857021 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857021 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857023 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857025 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857025 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857025 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857025 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857026 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857026 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857027 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857031 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857032 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9857034 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857034 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857034 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857036 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857036 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857039 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857040 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857041 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Vested Business Entity Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857042 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857045 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857045 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857045 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857047 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857048 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857048 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857048 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857049 | XXXX | ARM Lifetime Interest Rate Minimum | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857049 | XXXX | ARM Subsequent Interest Rate Cap | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857049 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857052 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857052 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857052 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857053 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857056 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857057 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857057 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857057 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857057 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857057 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857059 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857059 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857060 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857063 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857063 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857063 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857064 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857064 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857064 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857065 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857065 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857066 | XXXX | Number of Units | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857066 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857066 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857069 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857070 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857070 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857071 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857076 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857076 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857076 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857077 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857077 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857077 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857078 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857078 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857078 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857078 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857078 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857079 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857079 | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857080 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857081 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857084 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857084 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857084 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857084 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857084 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9857086 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9857087 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Qualifying LTV | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856919 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9856929 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9856929 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX |  | 9957265 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX |  | 9957266 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
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| XXXX |  | 9957266 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957266 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957266 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957267 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9957267 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
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| XXXX |  | 9957268 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
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| XXXX |  | 9957269 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX |  | 9957278 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957278 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957278 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957278 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957278 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957279 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957281 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957281 | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957281 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957281 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957281 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957282 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957282 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957310 | XXXX | Property Address | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957310 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957310 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957213 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957213 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957213 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957213 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Number of Units | the1008Page | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Property Type | the1008Page | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Escrow Indicator | closingDetailsCreditOnlyPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957216 | XXXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957223 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957223 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957223 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957223 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957223 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957223 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957239 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957239 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9957239 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957239 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957248 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957248 | XXXX | Subject Property Gross Rental income | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957248 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957256 | XXXX | Qualifying LTV | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957256 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957283 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9957283 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9695050 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9732564 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9979400 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979485 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979485 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983916 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983916 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983916 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983916 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983917 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983917 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983918 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983918 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983921 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983921 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983921 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983922 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983923 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983923 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983924 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983924 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983924 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983924 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983925 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9983925 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983925 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983925 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983928 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983928 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983928 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983928 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983931 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983931 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983931 | XXXX | Refinance Type | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9983931 | XXXX | Property Rights | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | Loan Amount | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983936 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9983938 | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 9983938 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983938 | XXXX | GSE Eligible Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 9983938 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979497 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979497 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9979394 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979394 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979394 | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979477 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985031 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9985031 | XXXX | Lender Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9985031 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 9985031 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985031 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985044 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 9985071 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985071 | XXXX | Lease in Place? | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 9985071 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Total Monthly Property Insurance Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Monthly HOA $| crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Subject Property Gross Rental income | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9984966 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985020 | XXXX | Total Monthly Property Insurance Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985020 | XXXX | Sales Price | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985020 | XXXX | Monthly Property Tax Amount | crossCollateralPropertyDataPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985020 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9985020 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084695 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979422 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979422 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979421 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979421 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084848 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979435 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084723 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084723 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084761 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084761 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084835 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084870 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084870 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084870 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084850 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084850 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084850 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084817 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084817 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084859 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084859 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084859 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 9979582 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084808 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084686 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084686 | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 10084686 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084686 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10085014 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10085014 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084969 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084969 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10085007 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084893 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084857 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084857 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084857 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084857 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084665 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084882 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084882 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084882 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084882 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084882 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084749 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084749 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 10084749 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 10084856 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 4 - Standard Findings Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 |  | 9129257 | Closed | 2025-04-16 05:56 | 2025-04-22 09:16 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-REO meets XXXXXX for experience > XX months - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-REO schedule with corresponding property profile provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded REO schedule with corresponding property profile. - XXXXXX-XX/XX/XXXX <br>Open-Per Credit Memo Borrower is Experienced, and we have Property Reports in file, however no Reo's Reflecting in Loan Application and its showing Borrower has no Experience . - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. X/XX/XX - XX - Uploaded REO schedule with corresponding property profile. - XXXXXX-XX/XX/XXXX<br>| Resolved-REO meets XXXXXX for experience > XX months - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-REO schedule with corresponding property profile provided. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 3876289 | N/A | N/A |
| XXXX | XXXX |  | 9186123 | Closed | 2025-05-28 04:53 | 2025-06-02 09:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Transfer letter for Appraisal in Zip file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Transfer Letter is Present in file hence no Appraisal fee is required in Final HUD hence resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Transfer letter in loan file delivered labelled as: Transfer_Letter_-_XXXX_XXXXXXXX_XXX_XXXXXXXXXX - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Appraisal Fee is not available in Final HUD-X Document. Provide updated Final HUD-X Document.<br> - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Transfer letter in loan file delivered labelled as: Transfer_Letter_-_XXXX_XXXXXXXX_XXX_XXXXXXXXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Transfer letter for Appraisal in Zip file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Transfer Letter is Present in file hence no Appraisal fee is required in Final HUD hence resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4253467 | N/A | N/A |
| XXXX | XXXX |  | 9226599 | Closed | 2025-06-06 06:31 | 2025-06-12 09:44 | Acknowledged | 2 - Non-Material C B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-XXX does not require Spousal Consent - XXX XXXXXXXXX Comment: Spousal Consent/Community Property States – XXX does not require a spousal consent for<br> properties financed in community property states. - XXXXXX-XX/XX/XXXX <br>Open-In XX, when a personal guaranty is present, then evidence of spousal consent is also required. Per Application, Guarantor is married. Spousal Consent missing from file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-XXX does not require Spousal Consent - XXX XXXXXXXXX Comment: Spousal Consent/Community Property States – XXX does not require a spousal consent for<br> properties financed in community property states. - XXXXXX-XX/XX/XXXX<br>| Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4358417 | Originator Post-Close | No |
| XXXX | XXXX |  | 9226599 | Closed | 2025-05-30 11:02 | 2025-06-06 06:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Coverage amount, $XXX,XXX does not meet Loan amount $XXX,XXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4285466 | N/A | N/A |
| XXXX | XXXX |  | 9226599 | Closed | 2025-05-30 10:49 | 2025-06-06 06:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Appraisal with XXXX provided. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. Third Party Market doc missing in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Appraisal with XXXX provided. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4285236 | N/A | N/A |
| XXXX | XXXX |  | 9226599 | Closed | 2025-05-30 10:56 | 2025-06-06 06:31 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal provided. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Appraisal is Missing Missing Appraisal doc in File. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Appraisal provided. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4285363 | N/A | N/A |
| XXXX | XXXX |  | 9226599 | Closed | 2025-05-30 10:56 | 2025-06-06 06:31 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CDA provided. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Missing Second Appraisal for Securitization Purpose. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-CDA provided. Resolved. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4285366 | N/A | N/A |
| XXXX | XXXX |  | 9246374 | Closed | 2025-07-09 00:33 | 2025-07-11 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Transfer Letter related to Appraisal fee in file. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Rescind Finding. Transfer Letter page XXX. - Seller-XX/XX/XXXX <br>Open-In XXX-X appraisal fee not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Rescind Finding. Transfer Letter page XXX. - Seller-XX/XX/XXXX<br>| Resolved-Transfer Letter related to Appraisal fee in file. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 4744448 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 00:51 | 2025-07-28 06:22 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-EIN doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. EIN - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. EIN Identification Number proof is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. EIN - Seller-XX/XX/XXXX<br>| Resolved-EIN doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799808 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 01:09 | 2025-07-22 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOM provided and updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. VOM - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements As per XXXX borrower currently stayed in rental property "XXX XXXXXXXXXXX XXX" but there is no VOR or Rent paid receipts in the file and XXXX does n't reflect the rent amount. required VOR and updated XXXX with correct rent amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. VOM - Seller-XX/XX/XXXX<br>| Resolved-VOM provided and updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799851 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 01:58 | 2025-07-22 12:12 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X months rents - Seller-XX/XX/XXXX <br>Open-As per XXXX worksheet page XXX higher rent from lease used for qualification. per XX version XX/XX/XXXX, Required evidence of X months rent required, but there is no proof in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X months rents - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799991 | N/A | N/A |
| XXXX | XXXX |  | 9218060 | Closed | 2025-07-14 01:22 | 2025-07-21 05:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Fraud report shows one uncleared finding on high category. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 4799886 | N/A | N/A |
| XXXX | XXXX |  | 9389292 | Closed | 2025-09-17 06:46 | 2025-10-14 03:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Bank Statement Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5565797 | N/A | N/A |
| XXXX | XXXX |  | 9389292 | Closed | 2025-09-17 05:51 | 2025-09-25 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial XXXX is Missing In Initial XXXX originator signature date - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Initial XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5565110 | N/A | N/A |
| XXXX | XXXX |  | 9389292 | Closed | 2025-09-17 08:00 | 2025-09-19 03:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXX.XXX for review - XXXXXX-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report (XXX's document) in file - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXX.XXX for review - XXXXXX-XX/XX/XXXX<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5566953 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-26 05:02 | 2025-10-01 13:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The appraisal was an interior/exterior and the final closing disclosure reflects escrows being obtained. Appraisal receipt is located in the loan file. Meets XXXX requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX(X); XX XXX XXXX.XX(X)(X)(X)) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The appraisal was an interior/exterior and the final closing disclosure reflects escrows being obtained. Appraisal receipt is located in the loan file. Meets XXXX requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5681818 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-26 05:02 | 2025-10-01 13:14 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The appraisal was an interior/exterior and the final closing disclosure reflects escrows being obtained. Appraisal receipt is located in the loan file. Meets XXXX requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The appraisal was an interior/exterior and the final closing disclosure reflects escrows being obtained. Appraisal receipt is located in the loan file. Meets XXXX requirements - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5681816 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-26 05:02 | 2025-10-01 13:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX XX showing the recording fee as $XXX.XX - XXXXXX-XX/XX/XXXX <br>Counter-The documentation was received and reviewed. However, the current documentation does not resolve the finding. A change of circumstance or lender credit was not located. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The initial CD issued X/X shows the increase in the recording fee - XXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The Initial Loan Estimate reflects the Recording Fee in the amount of $XXX. The Recording fee is applied to the XX% test which would allow for an increase to $XXX.XX. The Final Closing Disclosure reflects the Recording fee final amount to be $XXX which is an increase of $XX. This increase exceeds the XX% by $XX.XX. A change of circumstance or lender credit was not located in the loan file for the increase of the Recording fee. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% 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). (XX XXX XXXX.XX(X)(X); XX XXX XXXX.XX(X)(X)). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX XX showing the recording fee as $XXX.XX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The initial CD issued X/X shows the increase in the recording fee - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5681815 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-26 05:02 | 2025-10-01 13:05 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Rescinded- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Rescinded- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% 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). (XX XXX XXXX.XX(X)(X); XX XXX XXXX.XX(X)(X)). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% 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). (XX XXX XXXX.XX(X)(X); XX XXX XXXX.XX(X)(X)). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5681817 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-26 05:02 | 2025-10-01 13:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX XX - XXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-After received and reviewing the Revised Loan Estimate, the result of compliance test indicated a failure of the cannot increase test for the fees. The Escrow fee paid by the Borrower was moved to Section B from Section C on the Initial Closing Disclosure in the amount of $XXX. The title company is not in the service provider's list. The cure for the increase would be a change of circumstance dated within three days of the Initial Closing Disclosure or a refund with evidence of the XXXX and proof of the funds being returned (copy of the check and evidence of the funds being sent). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <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: Escrow 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. (XX XXX XXXX.XX(X); XX XXX XXXX.XX(X); XX XXX XXXX.XX(X)(X)). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC and revised LE on X/X showing the increase in XX fee - XXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open-After received and reviewing the Initial Closing Disclosure, the result of compliance test indicated a failure of the cannot increase test for the fees. The Underwriting fee was reflected on the Initial Loan Estimate in the amount of $XXX; however, on the Initial Closing Disclosure the Underwriting fee increased to $X,XXX. The $XXX increase does not have a supporting change of circumstance or lender credit. The cure for the increase would be a change of circumstance dated within three days of the Initial Closing Disclosure or a refund with evidence of the XXXX and proof of the funds being returned (copy of the check and evidence of the funds being sent). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <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: Underwriting 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. (XX XXX XXXX.XX(X); XX XXX XXXX.XX(X); XX XXX XXXX.XX(X)(X)). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX XX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. COC and revised LE on X/X showing the increase in XX fee - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5681819 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-15 09:36 | 2025-09-26 05:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. initial closing disclosure - XXXXXX-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure The Initial Closing Disclosure was not located in the loan file at the time of review. Due to the missing Initial Closing Disclosure, the compliance test could not be performed. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. initial closing disclosure - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure document provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5537125 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-15 09:49 | 2025-09-26 05:21 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-The documentation received was sufficient to resolve the finding. Intent to Proceed - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Intent to Proceed - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. The signed Intent to Proceed Disclosure was not located and is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Intent to Proceed - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Intent to Proceed - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5537438 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-15 09:42 | 2025-09-26 05:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home loan toolkit provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Home loan toolkit - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing The Home Loan ToolKit was not located in loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Home loan toolkit - Seller-XX/XX/XXXX<br>| Resolved-Home loan toolkit provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5537239 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-15 09:49 | 2025-09-26 05:19 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Housing Counselors - Seller-XX/XX/XXXX <br>Open-The Homeownership Counseling Disclosure was not locate d in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Housing Counselors - Seller-XX/XX/XXXX<br>| Resolved-Homeownership Counseling Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5537431 | N/A | N/A |
| XXXX | XXXX |  | 9389108 | Closed | 2025-09-15 09:48 | 2025-09-26 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. service provider list - Seller-XX/XX/XXXX <br>Open-The Service Provider List was not located in the loan file. The documentation is required for the testing of compliance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. service provider list - Seller-XX/XX/XXXX<br>| Resolved-Service Provider List provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5537421 | N/A | N/A |
| XXXX | XXXX |  | 9389300 | Closed | 2025-09-22 11:37 | 2025-09-23 09:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-The documentation received was sufficient to resolve the finding. Updated documents. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The co-borrower has XXX% ownership interest in the business. XXXXXXX X XXXXX was removed from the business per the documentation in the file.<br> I am attaching the Operating Agreement reflecting this change.<br> The account was closed and a new account was opened for the business, which is account with XXXXXXXX XXXXXXX XX. We are not including the new account in our calculations.<br> - Seller-XX/XX/XXXX <br>Counter-The documentation received does not support the monthly income used in qualifying. The calculator reflects the Borrower as XXX% owner; however, the documentation in the loan file reflects the Borrower as XX% owner. The expense factor is correct at XX%. The difference in the excluded deposits are XX/XX/XXXX for $XXX,XXX.XX, XX/XX/XXXX for $XXX,XXX.XX and XX/XX/XXXX for $XXX,XXX.XX which all of these deposits were excluded by the lender. Attached is the income calculator used in the review of the loan file. This documentation reflects the Borrower's monthly income as $XX,XXX.XX. Using this monthly income would result is a DTI of XX.XX%, which does not exceed the guideline maximum of XX%. It is noted the loan file does not address the XX/XX/XXXX statement for the account ending in XXXX reflecting as closed. Is the business closed or did the Borrower move the business account to another institution. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. income calculation - Seller-XX/XX/XXXX <br>Open-The documentation to support Borrower X monthly income was not located in the loan file. The income calculator located in the loan reflects a calculation of $XX,XXX.XX; however, the income used in qualifying was $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The co-borrower has XXX% ownership interest in the business. XXXXXXX X XXXXX was removed from the business per the documentation in the file.<br> I am attaching the Operating Agreement reflecting this change.<br> The account was closed and a new account was opened for the business, which is account with XXXXXXXX XXXXXXX XX. We are not including the new account in our calculations.<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. income calculation - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Updated documents. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5621886 | N/A | N/A |
| XXXX | XXXX |  | 9389238 | Closed | 2025-09-24 03:38 | 2025-09-26 01:43 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Updated XXXX & XXXX provided with corrected XXX amount. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-As per agreement page XXX,XXX and statement on page XX and wired proof on page XXX shows XXX $XXXXX whereas as per final XXXX page XXX and Final XX page XXX XXX is $XXXXX difference is $XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX & XXXX provided with corrected XXX amount. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5648448 | N/A | N/A |
| XXXX | XXXX |  | 9389104 | Closed | 2025-09-24 05:35 | 2026-01-14 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived-Exception for DTI over XX% (XX.XXX%). - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Exception for DTI over XX% (XX.XXX%). Borrower has $X,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XX.XX months of reserves exceed the minimum required amount of X months - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached exception form and other documents. - Seller-XX/XX/XXXX <br>Counter-LTV for this loan is XX%. Per matrix for Core product, LTV >= XX% the Max DTI is XX%. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is a not a select, but is a Core and on Core we allow up to XX% DTI. Please clear. - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Verified Calculated DTI is XX.XX but minimum DTI is XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached exception form and other documents. - Seller-XX/XX/XXXX <br>Ready for Review-This is a not a select, but is a Core and on Core we allow up to XX% DTI. Please clear. - Seller-XX/XX/XXXX<br>| Waived-Exception for DTI over XX% (XX.XXX%). - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Exception for DTI over XX% (XX.XXX%). Borrower has $X,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XX.XX months of reserves exceed the minimum required amount of X months - Due Diligence Vendor-XX/XX/XXXX <br>Waived-Waived with comp factors - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | Borrower has $X,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XX.XX months of reserves exceed the minimum required amount of X months | XXXX | Primary Residence | Purchase | NA | 5649197 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 9389104 | Closed | 2025-09-26 06:38 | 2025-10-08 15:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-documentation provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. lox and bank statements - XXXXXX-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet X/X Requirements. XXXX Settlement Statement on page X for the sale of property at XXX X XXrd St, XXXX, XX on final XXXX is showing sale proceeds going to XXXXX XXXXXX XXXX, XXXX XXXX XXXX, and XXXXX X. XXX. Need to obtain a copy of wire or deposit showing what amount of proceeds went to our borrower XXXXX X. XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. lox and bank statements - XXXXXX-XX/XX/XXXX<br>| Resolved-documentation provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5682691 | N/A | N/A |
| XXXX | XXXX |  | 9389104 | Closed | 2025-09-24 05:26 | 2025-09-25 10:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX, XXX, XXX, XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX, XXX, XXX, XXX. The loan meets XXXX guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5649124 | N/A | N/A |
| XXXX | XXXX |  | 9389113 | Closed | 2025-09-29 01:53 | 2025-10-21 14:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded with "Borrower have an ownership share of XX% or more" marked., Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Borrower X is qualified with XXX% ownership in Business whereas in Final XXXX Employment Section "Borrower have an ownership share of XX% or more" is not marked. Provide updated Final XXXX for BX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded with "Borrower have an ownership share of XX% or more" marked., Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5697338 | N/A | N/A |
| XXXX | XXXX |  | 9389113 | Closed | 2025-10-02 08:51 | 2025-10-21 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Please advise what is needed here. This is Blank. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Please advise what is needed here. This is Blank. - XXXXXX-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5750525 | N/A | N/A |
| XXXX | XXXX |  | 9389113 | Closed | 2025-09-25 23:25 | 2025-10-02 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party XXX Prior to Close Missing As per XX'S X.X.X, Provide verbal XXX for BX within XX-days of the Note date. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party XXX Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5680243 | N/A | N/A |
| XXXX | XXXX |  | 9389291 | Closed | 2025-09-29 03:35 | 2025-10-29 03:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated Final XXXX & XXXX uploaded with Income qualifying with BX as the sole owner in the business, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX and XXXX reflects the Co-Borrower income as $XXXX.X. However, the XXX and Business Narrative shows the Borrower as the sole owner in the business but income is divided between the Borrowers ($XXXX.XX/X=$XXXX.XX matching the XXXX and XXXX). - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX & XXXX uploaded with Income qualifying with BX as the sole owner in the business, Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5697823 | N/A | N/A |
| XXXX | XXXX |  | 9389291 | Closed | 2025-09-29 04:39 | 2025-09-29 09:01 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5698167 | N/A | N/A |
| XXXX | XXXX |  | 9389291 | Closed | 2025-09-29 04:39 | 2025-09-29 09:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the XXXXXXXX XXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Under the Regulations adopted by the XXXXXXXX XXXXXXXXXXX XX XXXXXXXXX XXXXXXXXXX, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XX%) equals or exceeds the XXXXXXXX Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%). (XXXXX XX.XX.XX.XX(X)(XX); XX XXX XXXXX.X(X)(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5698165 | N/A | N/A |
| XXXX | XXXX |  | 9389240 | Closed | 2025-09-29 07:12 | 2025-10-01 01:49 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated Final XXXX uploaded with Ethnicity selection marked, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Ethnicity Selection is Not Provided Provide Borrower X Ethnicity Selection which is missing in Final XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded with Ethnicity selection marked, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Ethnicity Selection is Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5699940 | N/A | N/A |
| XXXX | XXXX |  | 9389240 | Closed | 2025-09-29 09:34 | 2025-09-29 09:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX-XXX and the Final Closing disclosure on Pg#'sXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX-XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXX. The loan meets XXXX guidelines, resolved. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.X(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXX.X(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX-XXX and the Final Closing disclosure on Pg#'sXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX-XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXX. The loan meets XXXX guidelines, resolved. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5703512 | N/A | N/A |
| XXXX | XXXX |  | 9694936 | Closed | 2025-10-14 08:29 | 2025-10-21 14:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Borrowers ID is an XXX for non-perm res but XXXX has permanent resident marked - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5885969 | N/A | N/A |
| XXXX | XXXX |  | 9694936 | Closed | 2025-10-15 03:22 | 2025-10-17 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Missing income calculation sheet in file. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5897526 | N/A | N/A |
| XXXX | XXXX |  | 9732664 | Closed | 2025-10-16 00:19 | 2025-10-21 00:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Document Uploaded. Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alert. The required cleared report is missing.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5912040 | N/A | N/A |
| XXXX | XXXX |  | 9732602 | Closed | 2025-10-16 04:00 | 2025-10-20 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXX LoanSafe Connect Alerts Summary document shows a total of X Medium alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5912886 | N/A | N/A |
| XXXX | XXXX |  | 9389308 | Closed | 2025-10-17 00:18 | 2025-10-22 01:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-PCCD reflecting gift funds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure There is gifts in file on page XXX which transferred at closing, but final cd page XXX not reflecting any gifts, Provide PCCD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD reflecting gift funds uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5926458 | N/A | N/A |
| XXXX | XXXX |  | 9732660 | Closed | 2025-10-17 03:53 | 2025-10-20 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts The XXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXX Alerts Summary document shows a total of X High alerts, only X of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5927356 | N/A | N/A |
| XXXX | XXXX |  | 9732660 | Closed | 2025-10-17 07:14 | 2025-10-17 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-The document received is still marked as "Estimated" and without the Escrow Officer signature/stamp, but it is identified by the lender as the Final. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final Settlement Statement signed by all parties - Seller-XX/XX/XXXX <br>Open-Final HUD-1 Document is Preliminary/Estimated Only. The Settlement Statement provided is marked as "Estimated" and is not signed/stamped/marked as a Final by the Settlement Agent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final Settlement Statement signed by all parties - Seller-XX/XX/XXXX<br>| Resolved-The document received is still marked as "Estimated" and without the Escrow Officer signature/stamp, but it is identified by the lender as the Final. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5929038 | N/A | N/A |
| XXXX | XXXX |  | 9732661 | Closed | 2025-10-17 04:28 | 2025-10-24 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Updated Guaranty Agreement Document with missing pages uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Guaranty agreement pages X-X are missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty Agreement - Seller-XX/XX/XXXX<br>| Resolved-Updated Guaranty Agreement Document with missing pages uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5927508 | N/A | N/A |
| XXXX | XXXX |  | 9732661 | Closed | 2025-10-17 06:22 | 2025-10-24 04:22 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR Exceeds XX's as calculated DSCR is X.X, provided XXX XXX with DSCR calculation which meets XX's of X% DSCR, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached for XXXXXXX on Rents used - Seller-XX/XX/XXXX <br>Open-DSCR variance exceeding the guideline variance X%, Calculated DSCR ratio X.XX% calculation validating the correct DSCR is as follows: Short terms Rents of $X,XXX.XX (Net operating income $XXXXX/XX)/ PITIA $X,XXX.XX= X.XX DSCR<br> The rent schedule page #XX<br> XXX XXX Short term rent on page XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached for XXXXXXX on Rents used - Seller-XX/XX/XXXX<br>| Resolved-DSCR Exceeds XX's as calculated DSCR is X.X, provided XXX XXX with DSCR calculation which meets XX's of X% DSCR, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5928446 | N/A | N/A |
| XXXX | XXXX |  | 9732582 | Closed | 2025-10-18 09:09 | 2025-10-24 03:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing X high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-There are uncleared alerts in fraud report, provided updated Fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5940157 | N/A | N/A |
| XXXX | XXXX |  | 9732582 | Closed | 2025-10-18 08:57 | 2025-10-23 02:10 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The file is missing secondary valuation or additional valuation. Provide a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or an appraisal desk review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Loan Collateral Advisor with CU score less than X.X provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5940143 | N/A | N/A |
| XXXX | XXXX |  | 9732582 | Closed | 2025-10-18 09:33 | 2025-10-22 07:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX and confirmation the appraisal was delivered to the borrower – XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX and confirmation the appraisal was delivered to the borrower – XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5940193 | N/A | N/A |
| XXXX | XXXX |  | 9732615 | Closed | 2025-10-20 02:10 | 2025-10-24 06:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Gift docs along with Additional escrow provided. Updated & Resolved. Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Per GL XX.XX.XXXX matrix, X months reserves required when LTV is = XX%. However the loan file has only X.XX months reserves. - Due Diligence Vendor-XX/XX/XXXX</TD | Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX<br>| Resolved-Gift docs along with Additional escrow provided. Updated & Resolved. Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s). - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5943231 | N/A | N/A |
| XXXX | XXXX |  | 9732615 | Closed | 2025-10-21 02:18 | 2025-10-24 06:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Proof document for gift funds of $XX,XXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide proof of document for gift funds of $XX,XXX as it is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift docs attached should show was have sufficient assets - Seller-XX/XX/XXXX<br>| Resolved-Proof document for gift funds of $XX,XXX provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 5954474 | N/A | N/A |
| XXXX | XXXX |  | 9732583 | Closed | 2025-10-21 01:14 | 2025-10-29 06:19 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Proof document for gift funds provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gift Documentation - Seller-XX/XX/XXXX <br>Open-Asset Record X Does Not Meet G/L Requirements Provide proof of document for gift funds of $XXX,XXX as it is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gift Documentation - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Proof document for gift funds provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5954248 | N/A | N/A |
| XXXX | XXXX |  | 9732583 | Closed | 2025-10-21 01:14 | 2025-10-29 06:19 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access letter is not required as the additional persons are on the account as "pay on death" only not users of the account, Verified - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. On the XXXXX XXXXX #XXXX please see the attached. Access letter is not required as the additional persons are on the account as "pay on death" only not users of the account - Seller-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide LOE allowing borrower access to XXXXX XXXXX #XXXX as borrower held this account jointly with another person - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. On the XXXXX XXXXX #XXXX please see the attached. Access letter is not required as the additional persons are on the account as "pay on death" only not users of the account - Seller-XX/XX/XXXX<br>| Resolved-Access letter is not required as the additional persons are on the account as "pay on death" only not users of the account, Verified - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5954249 | N/A | N/A |
| XXXX | XXXX |  | 9732583 | Closed | 2025-10-21 00:50 | 2025-10-24 04:25 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation or Additional Valuation as the CU report on file shows risk score of X.X - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5954147 | N/A | N/A |
| XXXX | XXXX |  | 9732583 | Closed | 2025-10-21 01:55 | 2025-10-21 01:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # XXX and the Final Closing disclosure on page # XXX-XXX reflects escrows. Rate lock is on page # XXX. An interior and exterior appraisal was completed for this property – see page # XX-XX, the appraisal disclosure was provided to the borrower(s)- see page # XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see page # XXX, XXX, XXX . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5954398 | N/A | N/A |
| XXXX | XXXX |  | 9732596 | Closed | 2025-10-22 15:20 | 2025-10-27 08:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Final XXXX shows XX XX XXXXXX however Page XXX X-XXX XXXXXXXXX XXXXXXXXX XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX - XXXXXX-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5979377 | N/A | N/A |
| XXXX | XXXX |  | 9732596 | Closed | 2025-10-20 23:12 | 2025-10-24 04:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the XX XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5953781 | N/A | N/A |
| XXXX | XXXX |  | 9732596 | Closed | 2025-10-20 22:08 | 2025-10-23 02:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title as the loan amount is less than actual loan amount in title page XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Policy - XXXXXX-XX/XX/XXXX<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5953581 | N/A | N/A |
| XXXX | XXXX |  | 9732596 | Closed | 2025-10-21 00:02 | 2025-10-22 15:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)) Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) XXX equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXXX.X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X)) Using the greater of the disclosed XXX and the calculated XXX, the loan is a higher-priced mortgage loan, as defined in Regulation X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, XXX's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX,XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #XXX,XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5953961 | N/A | N/A |
| XXXX | XXXX |  | 9694997 | Closed | 2025-10-28 07:19 | 2025-11-03 14:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception is for XXX exceeding guidelines. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit Type updated to XXXX XXXXX, thank you! - XXXXXX-XX/XX/XXXX <br>Open-Audited XXX Exceeds Guideline XXX Based on post XX XXX of X,XXX and the gift funds in the amount of XXX,XXX.XX is the amount for the deposit and funds for the down payment for the purchase. Based on guidelines requires a XX% XXX reduction. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit Type updated to XXXX XXXXX, thank you! - XXXXXX-XX/XX/XXXX<br>| Waived-Exception is for XXX exceeding guidelines. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  | XXX is at XX.XX below max XXX of XX%<br> Borrower has XX.XX months of reserves. All that is required is X months <br> Credit score is at XXX minimum needed is XXX | XXXX | Primary Residence | Purchase | NA | 6034336 | Originator Pre-Close | Yes |
| XXXX | XXXX |  | 9694997 | Closed | 2025-10-22 04:42 | 2025-10-28 07:07 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-Updated XXXXX Page and XXXX page and ran compliance - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Provide XXXX listing gift deposit to escrows, Gift letter & wire deposit to escrow available on page XXX-XXX, XXX-XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated XXXXX Page and XXXX page and ran compliance - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5968156 | N/A | N/A |
| XXXX | XXXX |  | 9732589 | Closed | 2025-10-24 03:40 | 2025-10-28 15:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved for Rural property with XX% XXX. <br> Comp Factors:<br> (X) XX+ months reserves vs Minimum required X months reserves<br> (X) Residual Income $XX,XXX.XX vs Minimum required $X,XXX residual <br> (X) XXXX XXX vs Minimum XXXX XXX - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception Approval - XXXXXX-XX/XX/XXXX <br>Open-Audited XXX of XX% exceeds Guideline XXX of XX% Please provide Exception Approval for Rural property XX% XXX. - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception Approval - XXXXXX-XX/XX/XXXX<br>| Waived-Exception Approved for Rural property with XX% XXX. <br> Comp Factors:<br> (X) XX+ months reserves vs Minimum required X months reserves<br> (X) Residual Income $XX,XXX.XX vs Minimum required $X,XXX residual <br> (X) XXXX XXX vs Minimum XXXX XXX - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  | Comp Factors: <br> (X) XX+ months reserves vs Minimum required X months reserves <br> (X) Residual Income $XX,XXX.XX vs Minimum required $X,XXX residual <br> (X) XXXX XXX vs Minimum XXXX XXX | XXXX | Primary Residence | Purchase | NA | 6000987 | Investor Post-Close | No |
| XXXX | XXXX |  | 9732589 | Closed | 2025-10-24 03:43 | 2025-10-28 01:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided fraud shows All Fraud Report Alerts have been cleared or None Exist. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6001002 | N/A | N/A |
| XXXX | XXXX |  | 9695037 | Closed | 2025-10-25 11:09 | 2025-11-19 06:50 | Resolved | 1 - Information C A | Credit | Credit | DTI unknown | Resolved-Updated income and removed the rental income and used XX% EXPENSE FACTOR. No longer using rental income not needed Have revised employment worksheet, XXXX and XXXX. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Updated employment page - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Per guides we are able to do Xst months rent and security deposit \*OR\* X months rent. We have the Xst months rent and security deposit in file. Please review and clear. - XXXXXX-XX/XX/XXXX <br>Counter-The CPA is for the business not for the rental income. Based on guidelines will not be able to use the rental income Do have the full lease with the first payment and deposit, but guidelines requires X payments. Even with that still can only use XX% which would place the income able to use at XXXX this would X out the income and no income would be used. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. based on our guidelines we can use the CPA validated expense factor for the income. Changing the income back to XX% should get our DTI in order. attached are guidelines that allow for this. I have also attached the CPA letter. - XXXXXX-XX/XX/XXXX <br>Counter-This shows the initial X month and deposit not for the second month. Also with the calculation using the XX% factor would place the rent at XXXX which would X out the rental income for the property and place the DTI at XX.XX - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Based on guidelines page XX Needs full executed lease agreement which is in the file. Also can only use XX% of the rental income and this would place it XXXX and income would be at X for the investment property based on PITIA. Also requires X most recent months of rent to be verified and lease just started in XXXXXXX XXXX. No proof of payments in file. If rental is excluded this will pace the back end DTI at XX.XX - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Per guides we are able to do Xst months rent and security deposit \*OR\* X months rent. We have the Xst months rent and security deposit in file. Please review and clear. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. based on our guidelines we can use the CPA validated expense factor for the income. Changing the income back to XX% should get our DTI in order. attached are guidelines that allow for this. I have also attached the CPA letter. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated income and removed the rental income and used XX% EXPENSE FACTOR. No longer using rental income not needed Have revised employment worksheet, XXXX and XXXX. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Updated employment page - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6015744 | N/A | N/A |
| XXXX | XXXX |  | 9695037 | Closed | 2025-10-25 11:24 | 2025-11-19 06:09 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Updated XXXX,XXXX, employment page, and data page. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-dropped rental income, and our u/w recalculated the income per the Business Narrative in file. This borrower is allowed XX% expense factor, as they provide a service for their job. Attached is the new income calc, XXXX, XXXX. Please clear. DTI is now XX.XXX - XXXXXX-XX/XX/XXXX <br>Counter-Are we now excluding the rent income of XXX.XX? - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Our u/w recalculated the income per the Business Narrative in file. This borrower is allowed XX% expense factor, as they provide a service for there job. Attached is the new income calc, XXXX, XXXX. Please clear. DTI is now XX.XXX - XXXXXX-XX/XX/XXXX <br>Counter-DTI is at XX.XX and LTV is at XX% based on matrix max DTI can be is XX% - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Per guides we are able to do Xst months rent and security deposit \*OR\* X months rent. We have the Xst months rent and security deposit in file. Please review and clear. - XXXXXX-XX/XX/XXXX <br>Counter-The CPA is for the business not for the rental income. Based on guidelines will not be able to use the rental income Do have the full lease with the first payment and deposit, but guidelines requires X payments. Even with that still can only use XX% which would place the income able to use at XXXX this would X out the income and no income would be used. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. based on our guidelines we can use the CPA validated expense factor for the income. Changing the income back to XX% should get our DTI in order. attached are guidelines that allow for this. I have also attached the CPA letter. - XXXXXX-XX/XX/XXXX <br>Counter-Only received one month of rents. Even with rental income still puts the rental income at X based on guidelines can only use XX% of the rental income which would place it at XXXX. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-rental uploaded in last condition that will address the DTI. Once reviewed, please also clear this condition - XXXXXX-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Based on the matrix with LTV greater than or = to XX% max DTI is at XX% - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-dropped rental income, and our u/w recalculated the income per the Business Narrative in file. This borrower is allowed XX% expense factor, as they provide a service for their job. Attached is the new income calc, XXXX, XXXX. Please clear. DTI is now XX.XXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Our u/w recalculated the income per the Business Narrative in file. This borrower is allowed XX% expense factor, as they provide a service for there job. Attached is the new income calc, XXXX, XXXX. Please clear. DTI is now XX.XXX - XXXXXX-XX/XX/XXXX <br>Ready for Review-Per guides we are able to do Xst months rent and security deposit \*OR\* X months rent. We have the Xst months rent and security deposit in file. Please review and clear. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. based on our guidelines we can use the CPA validated expense factor for the income. Changing the income back to XX% should get our DTI in order. attached are guidelines that allow for this. I have also attached the CPA letter. - XXXXXX-XX/XX/XXXX <br>Ready for Review-rental uploaded in last condition that will address the DTI. Once reviewed, please also clear this condition - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated XXXX,XXXX, employment page, and data page. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6015763 | N/A | N/A |
| XXXX | XXXX |  | 9695037 | Closed | 2025-10-23 08:10 | 2025-10-23 09:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#XXX-XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg #XX, the appraisal disclosure is provided on Page #XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 5987276 | N/A | N/A |
| XXXX | XXXX |  | 9694959 | Closed | 2025-10-24 11:38 | 2025-10-27 11:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6008962 | N/A | N/A |
| XXXX | XXXX |  | 9694959 | Closed | 2025-10-24 11:38 | 2025-10-27 11:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX. The loan meets HPML guidelines, resolved. <br> - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6008963 | N/A | N/A |
| XXXX | XXXX |  | 9732561 | Closed | 2025-10-26 23:14 | 2025-10-28 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-The documentation received was sufficient to resolve the finding. Clear report - XXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the GL XX.XX.XXXX page # XX a clear fraud report is required. The fraud report in file (page # XXX) is showing uncleared alert, provide updated fraud report.<br> - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - XXXXXX-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Clear report - XXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6017841 | N/A | N/A |
| XXXX | XXXX |  | 9732658 | Closed | 2025-10-28 02:50 | 2025-10-30 06:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Certified Copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is a Non-Del loan which means it closed with 'XX XXXXXX XXXXXXX, XXX' and funds were disbursed to title on XX/XX which matches the Certified Final HUDX attached. This property is located in XX which is a dry funding state, and transaction is a refi which is the reason docs were signed XX/XX but loan did not close until XX/XX - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide updated HUD as the provided one on page XXX,XXX is not reflecting payoff amount and Cash to close of $X,XXX,XXX.XX is going TO borrower and Loan is No cash out refinance and considered Final Statement reflecting payoff from page XXX dated XX/XX/XXXX which is after the closing date XX/XX/XXXX Provide updated HUD or Final Statement with borrower signature and closing date XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This is a Non-Del loan which means it closed with 'XX XXXXXX XXXXXXX, XXX' and funds were disbursed to title on XX/XX which matches the Certified Final HUDX attached. This property is located in XX which is a dry funding state, and transaction is a refi which is the reason docs were signed XX/XX but loan did not close until XX/XX - Seller-XX/XX/XXXX<br>| Resolved-Certified Copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6032473 | N/A | N/A |
| XXXX | XXXX |  | 9732630 | Closed | 2025-11-04 23:28 | 2025-11-09 22:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XX/XX/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared Alerts - Seller-XX/XX/XXXX<br>| Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6127702 | N/A | N/A |
| XXXX | XXXX |  | 9732630 | Closed | 2025-11-04 22:51 | 2025-11-07 01:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX XXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. In file we have XXXXXX XXX document on page#XXX, CU Score is X.X.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXX XXX - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation (XXXXXX XXX) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6127531 | N/A | N/A |
| XXXX | XXXX |  | 9695032 | Closed | 2025-11-10 00:38 | 2025-11-21 02:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy Partially Provided Dwelling coverage on hoi policy on pg#XXX, is showing $XXX, hence required updated or corrected HOI policy with correct dwelling coverage amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6188754 | N/A | N/A |
| XXXX | XXXX |  | 9695032 | Closed | 2025-11-10 00:47 | 2025-11-12 06:18 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-SSPL shows that the borrower can shop for the settlement (escrow) fee. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Here is a post close CD that shows the escrow fee in the correct section because the SSPL shows that the borrower can shop for the settlement (escrow) fee. Thank you! - Seller-XX/XX/XXXX <br>Open-Title-Escrow Fee on final CD and initial CD has been moved to section X with provider name XXXXX XXX XXX, X.X., whereas Provider name on Service provider list pg#XXX is showing XXXXXXX XXXXXXX XXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Here is a post close CD that shows the escrow fee in the correct section because the SSPL shows that the borrower can shop for the settlement (escrow) fee. Thank you! - Seller-XX/XX/XXXX<br>| Resolved-SSPL shows that the borrower can shop for the settlement (escrow) fee. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6188786 | N/A | N/A |
| XXXX | XXXX |  | 9695032 | Closed | 2025-11-10 00:07 | 2025-11-12 06:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($XX.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. (XX CFR XXXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXXX.XX(f)(X)(v); XX CFR XXXXX.XX(g)(X); XX CFR XXXXX.XX(h)). Lender credit has been decreased in Final CD to $XX.XX from Initial CD $XXX.XX without a valid change of circumstances. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6188615 | N/A | N/A |
| XXXX | XXXX |  | 9695032 | Closed | 2025-11-10 00:07 | 2025-11-12 06:18 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | XXXX - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Waived-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXX XXXXX XXXX first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. XXX. XXXX XX-X.X(X); XX USC XXXXX(c)(X)(X)(ii); XX CFR XXXXX.XX(a)(X)(i)) Per External Counsel Appropriate to Waive as a X Grade - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXX XXXXX XXXX first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X 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 closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. XXX. XXXX XX-X.X(X); XX USC XXXXX(c)(X)(X)(ii); XX CFR XXXXX.XX(a)(X)(i)) Per External Counsel Appropriate to Waive as a X Grade - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6188617 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 9695032 | Closed | 2025-11-10 00:07 | 2025-11-12 06:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX XXX. The loan meets XXXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.XX(X)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX XXX. The loan meets XXXXX guidelines, resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6188616 | N/A | N/A |
| XXXX | XXXX |  | 9856920 | Closed | 2025-11-17 03:21 | 2025-11-19 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X DL provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated borrower identity card uploaded. - XXXXXX-XX/XX/XXXX <br>Open-BX ID expired X/XX/XXXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated borrower identity card uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X DL provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6268063 | N/A | N/A |
| XXXX | XXXX |  | 9856920 | Closed | 2025-11-18 10:47 | 2025-11-19 08:39 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is stale dated without recertification in file | Resolved-Resolved. Property Appraisal Recert provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Appraisal recert uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Appraisal dated X/X/XXXX requires recert of value per XX's. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Appraisal recert uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Property Appraisal Recert provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6291389 | N/A | N/A |
| XXXX | XXXX |  | 9856920 | Closed | 2025-11-17 01:56 | 2025-11-19 02:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Credit report not required for BX, Since Xnd borrower is non guarantor per guaranty agreement. Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Xnd borrower is a non-guarantor and credit score of this borrower is not used to qualify the loan. Please clear - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. BX credit Report prior to close missing from file. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Xnd borrower is a non-guarantor and credit score of this borrower is not used to qualify the loan. Please clear - XXXXXX-XX/XX/XXXX<br>| Resolved-Credit report not required for BX, Since Xnd borrower is non guarantor per guaranty agreement. Resolved<br> - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6267627 | N/A | N/A |
| XXXX | XXXX |  | 9856922 | Closed | 2025-11-17 04:16 | 2025-12-26 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-The documentation was sufficient to resolve the finding. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Counter- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Provided document for tax amount reflects Taxes in the amount of $XXXX.XX/XX=$XXX.XX does not match Tax amount per tape $XXX.XX used for XXXX - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tax is validated from the title commitment - $XXXX.XX \* X - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Tax is validated from the title commitment - $XXXX.XX \* X - XXXXXX-XX/XX/XXXX<br>| Resolved-The documentation was sufficient to resolve the finding. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6268444 | N/A | N/A |
| XXXX | XXXX |  | 9856922 | Closed | 2025-11-17 12:38 | 2025-12-24 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated background report uplaoded. - XXXXXX-XX/XX/XXXX <br>Open-Background Report reflects One of the consumer's on-file addresses is a business address type having a potential for fraudulent activity - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated background report uplaoded. - XXXXXX-XX/XX/XXXX<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6278210 | N/A | N/A |
| XXXX | XXXX |  | 9856922 | Closed | 2025-11-17 02:57 | 2025-12-04 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved. Additional account provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Additional liquidity docs uploaded.<br>XXXXX #XXXX - August XX to September XX $XX,XXX.XX <br> XXXXX #XXXX - August XX to September XX $XX,XXX.XX <br> - XXXXXX-XX/XX/XXXX <br>Open-Audited reserves of X months is less than XXXXXXXX Reserves of X Months. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Additional liquidity docs uploaded.<br>XXXXX #XXXX - August XX to September XX $XX,XXX.XX <br> XXXXX #XXXX - August XX to September XX $XX,XXX.XX <br> - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Additional account provided. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6267884 | N/A | N/A |
| XXXX | XXXX |  | 9856926 | Closed | 2025-11-20 15:03 | 2025-12-10 08:18 | Resolved | 1 - Information C A | Property | Appraisal | Valuation product is deficient | Resolved-Used lower CDA value to qualify - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Appraisal reflects $XXX,XX and $XXX,XXX is based on the desk review (CDA) uplaoded. Loan qualified using the lower value. - XXXXXX-XX/XX/XXXX <br>Open-Appraisal in file reflects property value $XXX,XXX which does not match Tape property value of $XXX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Appraisal reflects $XXX,XX and $XXX,XXX is based on the desk review (CDA) uplaoded. Loan qualified using the lower value. - XXXXXX-XX/XX/XXXX<br>| Resolved-Used lower CDA value to qualify - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6333193 | N/A | N/A |
| XXXX | XXXX |  | 9856927 | Closed | 2025-12-19 12:51 | 2025-12-22 06:37 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Received updated bank statement for has sufficient reserves singed by bank - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank statements with sufficient balance and entity document uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Per the HUD-X and the corresponding Funding Statement, the cash to close needed is $XX,XXX.XX. However, the only assets in file are XXXXXXXX XXXX #XXXX dated X/XX/XXXX with a balance of $-XXX.XX. File has insufficient assets to provide the cash to close. Borrower also has multiple loans closing on the same day. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Bank statements with sufficient balance and entity document uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received updated bank statement for has sufficient reserves singed by bank - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6712370 | N/A | N/A |
| XXXX | XXXX |  | 9856927 | Closed | 2025-11-18 05:55 | 2025-12-11 15:27 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-The documentation received was sufficient to resolve the finding. Current appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-LTV of XX.XX exceeds guidelines of XX% for rate&term - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Audited LTV Exceeds Guideline LTV Audited LTV does not Exceeds Guideline LTV - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Client sent the documentation by email. - XX/XX/XXXX <br>| Resolved-The documentation received was sufficient to resolve the finding. Current appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Audited LTV Exceeds Guideline LTV Audited LTV does not Exceeds Guideline LTV - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6286113 | N/A | N/A |
| XXXX | XXXX |  | 9856927 | Closed | 2025-11-19 08:51 | 2025-11-26 10:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received clear version of final hud updated closing page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised better copy uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Hud in file is not legible. Need clear copy of the final hud - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised better copy uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received clear version of final hud updated closing page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6304822 | N/A | N/A |
| XXXX | XXXX |  | 9856927 | Closed | 2025-11-19 09:52 | 2025-11-26 06:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Updated business page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Esecuted loan agreement uploaded - XXXXXX-XX/XX/XXXX <br>Open-Loan agreement is missing from the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Esecuted loan agreement uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated business page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6306215 | N/A | N/A |
| XXXX | XXXX |  | 9856938 | Closed | 2025-11-18 17:01 | 2025-12-17 08:13 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Asset X Not Expired Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Recent bank statements have been uplaoded for August and september, $XX,XXX.XX + XX% of cash out $XX,XXX.XX - XXXXXX-XX/XX/XXXX <br>Open-Bank statement with XXXXXXXX is dated X/XX/XXXX need X most recent statements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Recent bank statements have been uplaoded for August and september, $XX,XXX.XX + XX% of cash out $XX,XXX.XX - XXXXXX-XX/XX/XXXX<br>| Resolved-Asset X Not Expired Or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6297358 | N/A | N/A |
| XXXX | XXXX |  | 9856941 | Closed | 2025-11-19 08:03 | 2025-12-17 08:32 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. Only have page X of the XXX docs. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6303759 | N/A | N/A |
| XXXX | XXXX |  | 9856941 | Closed | 2025-11-19 08:25 | 2025-11-26 06:27 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | XXXXXXXX-XXXXXXX XXXXXXXX XXXX XXX XXXXXX XXXXX XXXXX XXX XXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXX XXXXXX XXXX XXXX XXXXX XXX XXX XXXXXXXX XXXXXXX XX XXXXXX XXXXXXXX XXXX XXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXX XXXXX XXXX XXXXX XXX XXXX XXXX XXXXXXX - XXXX/XXXXXXX.XX=X.XXX - XXXXXX-XX/XX/XXXX <br>XXXX-XXXX XXXX XX XXXXX XXX XXXXXX XXXXX XXXX XXX XXXXXXXXX XX X,XXX. XXXX XXXXXXXX XXXX XX XXXXX XXXX XXXX XXX XXXX XXXXXXXXX. XXXXXXXXX XXXX XXXXX XXXXX XXXXX XXXXX XXXXX XXXXX/XXXXXXX.XX= X.XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXX XXXXXX XXXX XXXX XXXXX XXX XXX XXXXXXXX XXXXXXX XX XXXXXX XXXXXXXX XXXX XXXXX XXXXXXX XXXX XXXXXXX XXXX XXXXX XXXXX XXXX XXXXX XXX XXXX XXXX XXXXXXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXX XXXXXXXX XXXX XXX XXXXXX XXXXX XXXXX XXX XXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6304250 | N/A | N/A |
| XXXX | XXXX |  | 9856947 | Closed | 2025-11-19 13:27 | 2025-12-17 06:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | XXXXXXXX-XX XXXXX XXXXXXXX XXXXXX XXX XXXX X XXXXXX XXX XX XXX.XX XXXXXXX XXXXX XXXXX XXX XXXXX XX XXX XXX XXXX XXX XXXXXX XXXXX XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXXX XXX XXXXXXX XXXXXX X XXXXX, XXXXX XX XXXX XX XXX XXXX XXXXXXXXX XXXXX XXXXXXX XX XXX XXXX XXXXXXXXX XXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XX XXXXX X XXXXX XXX XXXX X? - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXX XXXX XXX XXXX XXXXXX XX XXXXX XXX XXXXX<br>XXXX X - XXXX<br> XXXX X - XXX - XXXX XXXXXXXXX XXXXXXXX XX XXXXX XX XXXXXX XXXXXXX<br> XXXX X - XXXX - XXXXXX XXXX<br>XXXXXXXXX XXXXXXX XXXX: $XXXX - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXX XX XXXXXX XXXXX XXXXX. XX XXXX XXXXX XXXXX XXXXX XX X,XXX XX XXXX XXXXX XXXX XXXXX. XXXXXXX XXXXX XXXXX XXXX XX X,XXX.00 XX XXXXX XXXX XXX XXXXX XXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXXX XXX XXXXXXX XXXXXX X XXXXX, XXXXX XX XXXX XX XXX XXXX XXXXXXXXX XXXXX XXXXXXX XX XXX XXXX XXXXXXXXX XXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXX XXXX XXX XXXX XXXXXX XX XXXXX XXX XXXXX<br>XXXX X - XXXX<br> XXXX X - XXX - XXXX XXXXXXXXX XXXXXXXX XX XXXXX XX XXXXXX XXXXXXX<br> XXXX X - XXXX - XXXXXX XXXX<br>XXXXXXXXX XXXXXXX XXXX: $XXXX - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XX XXXXX XXXXXXXX XXXXXX XXX XXXX X XXXXXX XXX XX XXX.XX XXXXXXX XXXXX XXXXX XXX XXXXX XX XXX XXX XXXX XXX XXXXXX XXXXX XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6311065 | N/A | N/A |
| XXXX | XXXX |  | 9856949 | Closed | 2025-11-19 12:08 | 2025-12-11 06:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | XXXXXXXX-XXXXXXXX XXXXXXXX XXXX XXXXXX XXXX XXXXXX XXXX - XXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXX XXXX XXX XXXXX XXXXXX XXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXX XX XXXX XXXXX XXX XXXXXX XX XXXXXXX XXXXX XXX XXXX XX XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXX XXX XXXXXX XX XXXXXXX XXXXXX XXXX XX XXX XXX XXXX. XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXXXXX XXXX XXX XXXXX XXXXXX XXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXX XXXXXX XXXX XXXXXX XXXX - XXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6309415 | N/A | N/A |
| XXXX | XXXX |  | 9856958 | Closed | 2025-11-20 13:41 | 2025-12-12 07:11 | Resolved | 1 - Information C A | Credit | Credit | Missing subject property tax certificate | XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXX XXXXX XXX XXXX. XX XXXXXXX XXXX XXXX XXX XXX XXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX, XXXXXX XXXX XXXX XXX XXX XXXX XXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXX XXXX XXXXXXXX XX XXX XXXX XXXXX XXXX XXXX XXX XXX XXXX XXXX XX XXXXXXX XX XXXXX XXXX XX XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXX XXXX XXXXXXXX XX XXX XXXX XXXXX XXXX XXXX XXX XXX XXXX XXXX XX XXXXXXX XX XXXXX XXXX XX XXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XX XXX XXXX XXX XXX, XXX XXX XXXX XXXX XXXX XX $XXXX.XX XXX XXXX. XX XXX XXX XXX XXXXX XX XXXX XXXX XXX XXXXX XXXX XXX XXXX, XXX XXXX XXXXXXXXX XXX XXXX XX $X,XXX.XX. XXXX XX XXXX XXXX XXX XXXX XXXXX XXXXX XXXX. XXXXXX XXXXX XXX XXXX XXXX XXXX XXX XXXX XXXXXX XXXX XX XXXXXXXX XXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX, XXXXXX XXXX XXXX XXX XXX XXXX XXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXX XXXXXXXX XXXX XXXX XXXXX XXX XXXX. XX XXXXXXX XXXX XXXX XXX XXX XXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6331798 | N/A | N/A |
| XXXX | XXXX |  | 9856960 | Closed | 2025-11-19 10:56 | 2025-12-24 01:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXX XXXX XXXX XXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXXXXX XXXXXXXX XXX XXX XXXXX XXXX XXXXXXXX, XXXXXXX XXXXXX XXXXXX XXX XXXXXXX XXX XXXXXXX XXXX XXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXXXX XXXXX XX XXXXX XXXX XXX XXX XXXX XXX XXXXXXX XXX XXXXXX XXXXX XXX $XXX.XX XXXXXXXX XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXX XXXX XXXX XXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX, XXXXXXXX XXX XXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6307793 | N/A | N/A |
| XXXX | XXXX |  | 9856967 | Closed | 2025-11-19 01:59 | 2025-12-08 01:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXX XXXX XX XXXXX XXXXX XX XXX XXXXXXXXX XXXXXXXX XXXXX XX XXXX XXXXX #X . (XXX XXXX XX XXX XX XXX XXXXXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6299678 | N/A | N/A |
| XXXX | XXXX |  | 9856969 | Closed | 2025-11-20 11:12 | 2025-12-26 11:15 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | XXXXXXXX-XXX XXXXXXXXXXXXX XXXXX XXX XXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXXXXX XXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXXX-XXXXX X XXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXX XXXX XXXX XXXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXX XXXXXXX XXXXXXXX XXX XXXXXXX XXXXX XX XXXX XXXXXX XX XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXX XXXX XXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXX XXXXXXX XXXXX XXXX XXXXXX XXX XXXXX XX XXXXX XXXXXX XX XXX XXXXX XXXX XX XXXX XXXXX XXX XXXXXXXX XX XXX XXXXX XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXX XXXX XXXX XXXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXX XXXX XXXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXX XXXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXXX-XXX XXXXXXXXXXXXX XXXXX XXX XXXXXXXXX XX XXXXXXX XXX XXXXXXX. XXXXXXX XXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXXX-XXXXX X XXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6328799 | N/A | N/A |
| XXXX | XXXX |  | 9856969 | Closed | 2025-12-22 07:51 | 2025-12-26 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6733112 | N/A | N/A |
| XXXX | XXXX |  | 9856969 | Closed | 2025-11-19 02:17 | 2025-12-08 23:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X months is greater than X months. Hence Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. September month statement uploaded with sufficient liquidity and this is a newly opened and uploaded account opening letter. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX months is less than X months. Need additional Bank statements to meet reserve requirement. Also need proof to verify EMD amount of $XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. September month statement uploaded with sufficient liquidity and this is a newly opened and uploaded account opening letter. - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X months is greater than X months. Hence Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6299777 | N/A | N/A |
| XXXX | XXXX |  | 9856972 | Closed | 2025-11-19 05:51 | 2025-12-24 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Resolved, received tax bill. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is the full tax cert and title has confirmed that there are no additional taxes. - Seller-XX/XX/XXXX <br>Counter-Counter, received XXXX XXXXX XXXXXXXX tax certificate. Missing school/county tax certificate totaling the amount of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Taxes as per Data Compare page is $XXX & Tax document shows $XXX.XX.Need updated Tax document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This is the full tax cert and title has confirmed that there are no additional taxes. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received tax bill. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6301294 | N/A | N/A |
| XXXX | XXXX |  | 9856972 | Closed | 2025-11-19 13:45 | 2025-12-05 06:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Resolved, received invoice showing annual amount of insurance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded Binder and Invoice to tie the premium for hazard insurance - Seller-XX/XX/XXXX <br>Counter-Counter, received declaration page however it is missing the premium amount. Missing hazard insurance premium amount. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing hazard insurance premium. Only fire coverage in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded Binder and Invoice to tie the premium for hazard insurance - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received invoice showing annual amount of insurance. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6311457 | N/A | N/A |
| XXXX | XXXX |  | 9856974 | Closed | 2025-11-20 10:53 | 2025-12-11 13:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Client has indicated that the attached document is, in fact, the Final document. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is a XX closing statement. They aren't signed by title in XX, because title is not the settlement agent. - Seller-XX/XX/XXXX <br>Counter-Need the fully executed final hud that is signed by title as well or stamped final hud. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hud in file is only executed by the borrower - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This is a XX closing statement. They aren't signed by title in XX, because title is not the settlement agent. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Client has indicated that the attached document is, in fact, the Final document. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6324837 | N/A | N/A |
| XXXX | XXXX |  | 9856978 | Closed | 2025-11-20 14:55 | 2025-12-17 08:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Cash out HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cash out from another transaction is used for liquidity purpose. HUD and enity documents uplaoded. - Seller-XX/XX/XXXX <br>Open-As per the HUD on page XXX, the borrower was required to bring $XXX,XXX.XX to closing. The borrowers XX/XX/XX XXXX statement for account #XXXX shows a balance of $XX,XXX.XX. The borrower was short verified assets to close in the amount of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cash out from another transaction is used for liquidity purpose. HUD and enity documents uplaoded. - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Cash out HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6333059 | N/A | N/A |
| XXXX | XXXX |  | 9856978 | Closed | 2025-11-20 15:00 | 2025-12-17 08:06 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-As per the XXXXXXX borrower's policy has no coinsurance clause, borrower is carrying above RCE value cost of new in appraisal. Therefore borrower can carry XXX% or above the RCE but below the UPB. - Seller-XX/XX/XXXX <br>Counter-The insurance coverage is $XXX short. The loan amount is $XXX,XXX and the coverage is $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The insurance coverage is $XXX short. The loan amount is $XXX,XXX and the coverage is $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Insurance Coverage amount is $XXXK which looks good - Seller-XX/XX/XXXX <br>Open-As per XXXXXXX under property insurance, the borrower is required to have home owners insurance in the amount of the loan or RCV. The loan file doesn't contain an RCE to determine the RCV so insurance should equal loan amount. The borrowers loan amount is $XXX,XXX and the HOI policy is $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-As per the XXXXXXX borrower's policy has no coinsurance clause, borrower is carrying above RCE value cost of new in appraisal. Therefore borrower can carry XXX% or above the RCE but below the UPB. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Insurance Coverage amount is $XXXK which looks good - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Investment | Purchase | NA | 6333143 | N/A | N/A |
| XXXX | XXXX |  | 9856978 | Closed | 2025-11-19 07:46 | 2025-12-17 02:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Cash out HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is a purchase transaction and we need X months reserve, uploaded HUD with cash out from borrower and entity document supporting. - Seller-XX/XX/XXXX <br>Open-As per the the XXXXXXXXXX, a minimum of six months' reserves is required. The loan file is short the required reserves by $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This is a purchase transaction and we need X months reserve, uploaded HUD with cash out from borrower and entity document supporting. - Seller-XX/XX/XXXX<br>| Resolved-Cash out HUD-X doc from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6303317 | N/A | N/A |
| XXXX | XXXX |  | 9856979 | Closed | 2025-11-21 11:05 | 2025-12-11 08:35 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-The Credit Report for Borrower X has been uploaded and updated to file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report dated XX/XX/XXXX uploaded for XXXX XXXXX. - Seller-XX/XX/XXXX <br>Counter-The document provided is dated XX/XX/XXXX. The loan closed & was funded on XX/XX/XXXX. There is no pre-close credit report in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Credit report dated XX/XX/XXXX uploaded for XXXX XXXXX. - Seller-XX/XX/XXXX <br>Counter-Pre close/application credit report for Borrower X no older than XXX days prior to submission required. Post Close report dated XX/XX/XX credit report already in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Credit Report for Borrower X is dated XX/XX/XX, after the Note date of XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report dated XX/XX/XXXX uploaded for XXXX XXXXX. - Seller-XX/XX/XXXX <br>Ready for Review-Credit report dated XX/XX/XXXX uploaded for XXXX XXXXX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Credit Report for Borrower X has been uploaded and updated to file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6344594 | N/A | N/A |
| XXXX | XXXX |  | 9856980 | Closed | 2025-11-21 12:47 | 2025-12-05 08:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Credit report for BX XXXX XXXXX dated X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Credit report for XXXXX XXXXX uploaded. - Seller-XX/XX/XXXX <br>Counter-Uploaded is credit report for BX XXXXX XXXXX. Please re-upload Credit report for BX XXXX XXXX XXXXX dated prior to Disbursement XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded credit report for XXXXX XXXXX - Seller-XX/XX/XXXX <br>Open-For Borrower X we have credit report in file which is dated on XX/XX/XXXX but closing date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Credit report for XXXXX XXXXX uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded credit report for XXXXX XXXXX - Seller-XX/XX/XXXX<br>| Resolved-Credit report for BX XXXX XXXXX dated X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6346434 | N/A | N/A |
| XXXX | XXXX |  | 9856981 | Closed | 2025-11-21 12:52 | 2025-12-08 07:24 | Resolved | 1 - Information C A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-Client has provided the operating agreement for XXXXXXXXX XXXXXX to confirm borrower is majority owner. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded OA for XXXXXXXXX XXXXXX XXXXXXXX XXX and confirms XXXXXXXXX XXXXXXX is the owner - Seller-XX/XX/XXXX <br>Counter-The loan file is missing the operating agreement for XXXXXXXXX XXXXXX to confirm borrower is owner. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The title to the property shows that the owner of record is XXXXXXXXX XXXXXX. There is a warranty deed in the file transfer ownership from XXXXXXXXX XXXXXX to the borrower. The loan file is missing the operating agreement for XXXXXXXXX XXXXXX to confirm borrower is owner. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded OA for XXXXXXXXX XXXXXX XXXXXXXX XXX and confirms XXXXXXXXX XXXXXXX is the owner - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Client has provided the operating agreement for XXXXXXXXX XXXXXX to confirm borrower is majority owner. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6346515 | N/A | N/A |
| XXXX | XXXX |  | 9856985 | Closed | 2025-11-20 17:23 | 2025-12-23 11:48 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-Received copy of the interior appraisal Updated property page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Full appraisal uplaoded. - Seller-XX/XX/XXXX <br>Counter-Based on XXXXXXXXXX requires one full appraisal. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Primary appraisal uploaded. - Seller-XX/XX/XXXX <br>Open-In file have two exterior appraisals. Requires one appraisal and secondary can be exterior. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Full appraisal uplaoded. - Seller-XX/XX/XXXX <br>Ready for Review-Primary appraisal uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received copy of the interior appraisal Updated property page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6334489 | N/A | N/A |
| XXXX | XXXX |  | 9856985 | Closed | 2025-11-19 06:46 | 2025-12-08 02:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Bank statements Provided to meet reserves requirement. Updated & resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded Bank statements to meet reserves requirement. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X months is less than guideline reserves of X months. Need additional Reserves to meet reserve requirement.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded Bank statements to meet reserves requirement. - Seller-XX/XX/XXXX<br>| Resolved-Bank statements Provided to meet reserves requirement. Updated & resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6302043 | N/A | N/A |
| XXXX | XXXX |  | 9856985 | Closed | 2025-11-19 06:52 | 2025-12-03 07:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated title page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Taxes as per Data Compare page is $XXX & Tax document is missing from file .Need updated Tax document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated title page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6302174 | N/A | N/A |
| XXXX | XXXX |  | 9856987 | Closed | 2025-11-20 10:23 | 2025-12-03 08:36 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | XXXXXXX-XXXXXXX. XXXXXXX XXXXXXXX XXXXXX XXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXX XXXX XX XX-XX-XXXX XX XXXXXX XXXXX XXXXX XXXXXX XX-XX-XXXX. XXXXXXX XXXXXXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXX. XXXXXXX XXXXXXXX XXXXXX XXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6324218 | N/A | N/A |
| XXXX | XXXX |  | 9856992 | Closed | 2025-11-19 08:13 | 2025-12-24 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | XXXXXXX-XXX XXXXXXXXXXXXXXX XXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXXX XXX XXXXXXX XXX XXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXX XXXXXXXX XX XXXXX XX XXXXX $XXX,XXX.XX XXXX X XXXXXX XXXX XXXXX XXXXXXXX $X,XXX.XX = $XXX,XXX.XX XXX XXX XXXXXXXXXX. XX XXXXXXXXXX XXXX XXXXX XXXXXXXX XXXXXX XXXXXXX XX/XX/XXXX XXXXXXXX XX-XXX-XX $X,XXX.XX XXX XXXXXXX XX-XXX-XXX $XXX.XX = $XXX,XXX.XX. XXXXXX XXXXXXX XXX X/X XXXXXXXXXXXXXXX XXXXXXXXX XXXXX XXXX XX XXXXX XXX XXXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXX XXXX XXXX XX XXXX XXX XXXXXXXX XXXXXXX, XXXXXXXX XXX XXXX' XXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXXXXXXX XXXXXX XXX XXXXX XX XXXXX XX XXXXX $XXX,XXX.XX XXXX X XXXXXX XXXX XXXXX XXXXXXXX $X,XXX.XX = $XXX,XXX.XX XXX XXX XXXXXXXXXX. XXXXX XXXXXXXXXX XXXXX XXXXXXX XX/XX/XXXX XXXXXXXX XX-XXX-XX $X,XXX.XX XXX XXXXXXX XX-XXX-XXX $XXX.XX XXXXX XXXXXXXX. XXXXXX XXXXXXX XXX X/X XXXXXXXXXXXXXXX XXXXXXXXX XXXXX XXXX XX XXXXX XXX XXXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXXXX XXXXXXX XXXXXXXXX XXXXXXXXX XXXX XXXXXXXXXX XXXXXXXX XXX XXXXXXX XXX XXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXX XXXX XXXX XX XXXX XXX XXXXXXXX XXXXXXX, XXXXXXXX XXX XXXX' XXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXX XXXXXXXXXXXXXXX XXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6303980 | N/A | N/A |
| XXXX | XXXX |  | 9857002 | Closed | 2025-11-21 09:34 | 2025-12-24 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | XXXXXXX-XXX XXXXXXXXXXXXXXX XXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXX XXXXXX # XXXX, XXXXXXXXX XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXX XXXXXXX - XXXXX XXXXX XXXXXX # XXXX XXX XXXX XXXX XXXXX XX XXXXX XX/XX/XXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXX XX XXX XXXXX X XXXXXX XXXXX XXXXXXXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXX XX XXXXX, XXXX XX X XXXXXXX XXXXXX XXXXXXX XXX XXXXXXX XXXXXX XXX XXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XX XXX XXXXXXXX XXXXXXXXX XXXXXXXX, XXX X XXXXXXXXX XX XXXXXXXX XX XXXXXXXXXX X XXXXXXXXXX XXXXXX XXXXXXXX. XXX XXXX XXXX XXX XXXX, XXXXXX XXX XXXXXXXXX XXX XXXXX XXXXXX # XXXX XXXXXXXX. XX XXX XXXXXXX XXX XXXXXXXXX XXXXXXXX XXXX XX/XX XX XX/XX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXX XXXXXX # XXXX, XXXXXXXXX XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXXXX XX XXXXX, XXXX XX X XXXXXXX XXXXXX XXXXXXX XXX XXXXXXX XXXXXX XXX XXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXX XXXXXXXXXXXXXXX XXXXX XXX XXXXXXXXXX XX XXXXXXX XXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6341371 | N/A | N/A |
| XXXX | XXXX |  | 9857006 | Closed | 2025-11-21 15:47 | 2025-12-23 11:39 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXXXXX-XXXXXXX XXXXX XXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXX XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXX XXXXX XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXXXXX XXXXXXX XXX XXXXX XX XX,XXX XXX XXXX XXXXXX XX XXX,XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXX XXXXX XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXX XXXXX XXXXX XXXXXXXX XXXXXXXX XXXXXXX XXXXX XXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6349105 | N/A | N/A |
| XXXX | XXXX |  | 9857007 | Closed | 2025-11-22 06:12 | 2025-12-04 06:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | XXXXXXX-XXX XXXX XXXX XXXX.XX XX XXXXX XX XX XXXXXXX XX XXXXXXXX XXXXXXXX XXXX XXX XXX X XXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXX XXX XX XXXX XXX XXXXXX XX X,XXX.XX XXX XX XXX XXXXXXXX XX XXXX XXXX XXXXXXX XXX XXXXXXX XXXXXXX XX XXX.XX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXX XXXX XXXX XXXX.XX XX XXXXX XX XX XXXXXXX XX XXXXXXXX XXXXXXXX XXXX XXX XXX X XXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6354011 | N/A | N/A |
| XXXX | XXXX |  | 9857011 | Closed | 2025-11-21 08:58 | 2025-12-16 03:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | XXXXXXX-XXXXXXX, XXXXXXXX XXXXX XXXXX XXXXX XXXXXXX XXXXXXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXXXXX, XXXXX XXXXXXX XXXXXXXX XXXX XXX XXXXXXXX XXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX. XXXXXXX XXXXXXX XXX XXX XXXX XX XXX XXXXX XXXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXX XXXXX XXXXXXX XX XXX XXXXX XXXXXX - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXXXXX, XXXXXXX XXXXXXX XXXXXX XXX XXXXX XXXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXX XXXXXXXX XXXXXXXXXXX XXXX XXXX XX XXXXXXX.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. XXXXXXXX XXX XXXXX XXXXXXX XX XXX XXXXX XXXXXX - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXX, XXXXXXXX XXXXX XXXXX XXXXX XXXXXXX XXXXXXX XXXXXXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6340720 | N/A | N/A |
| XXXX | XXXX |  | 9857021 | Closed | 2025-11-20 02:50 | 2025-12-16 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | XXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXXXXXX XXXXX XXXX XXXXXXX XX XXXX XX XXXX XXXXXXX XX X XXXXXXX XXXXX XX XXXX XX XXXX XXX, - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXX XXXX XXXX XXXXXXX XXX XXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXX-XXXXXXXX XX X XXXXXXXXX XXXXXX XX XXXXXXXX XXX XXXXXX XXXXXXX XX XXXXX, XXX XXXX XXXXXXX XXXXXX XX XXXXX, XXXXXX XXXXXXX XXXXX XXX XXXXXXXX XX XXXXXX XXX XXXXX XXXXXXX. XXXX XXXX XXXXXXX XXX. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX <br>XXXXX XXX XXXXXX-XXXXXXXX XXXXXXXX. - XXXXXX-XX/XX/XXXX<br>| XXXXXXX-XXXXXXXXXX XXXXXXXX XX XXX XXXXXXXXXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>XXXXXXX-XXXXXXXX XXXXX XXXX XXXXXXX XX XXXX XX XXXX XXXXXXX XX X XXXXXXX XXXXX XX XXXX XX XXXX XXX, - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6316396 | N/A | N/A |
| XXXX | XXXX |  | 9857021 | Closed | 2025-11-20 02:01 | 2025-12-16 03:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Statements with sufficient liquidity at close has been provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. For purchase transactions only X months PITIA requried as per revised guidelines. Statements with sufficient liquidity at close has been uploaded. - Seller-XX/XX/XXXX <br>Open-As per Guidelines reserves is X months but loan does not meet Guideline requirements need supporting doc on same.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. For purchase transactions only X months PITIA requried as per revised guidelines. Statements with sufficient liquidity at close has been uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Statements with sufficient liquidity at close has been provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6316184 | N/A | N/A |
| XXXX | XXXX |  | 9857021 | Closed | 2025-11-20 03:01 | 2025-12-04 06:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-If overage borrower will get a refund - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Property Taxes as per Data Compare page is $XXX & Tax document shows $XXX.XX.Need updated Tax document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-If overage borrower will get a refund - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6316464 | N/A | N/A |
| XXXX | XXXX |  | 9857023 | Closed | 2025-11-21 17:06 | 2025-12-16 08:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements. Documentation Borrower Member XXX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Supporting document for XXX xxxxxx XXX uploaded. - Seller-XX/XX/XXXX <br>Open-Page XX XXX statement xxXXXX XX/XX/XXXX account holder XXX XXXXXX XXX. Please provide documentation Borrower Member of XXX XXXXXX XXX to verify asset for post close reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Supporting document for XXX xxxxxx XXX uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset Record X Meets G/L Requirements. Documentation Borrower Member XXX XXXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6349843 | N/A | N/A |
| XXXX | XXXX |  | 9857023 | Closed | 2025-11-20 03:45 | 2025-11-20 04:03 | Resolved | 1 - Information A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Found Hazard Insurance document - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Found Hazard Insurance document - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6316767 | N/A | N/A |
| XXXX | XXXX |  | 9857024 | Closed | 2025-12-19 12:44 | 2025-12-22 06:25 | Resolved | 1 - Information C A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-received updated bank printout signed by bank employee showing current available balance - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. This is not a cash out and October statement with sufficient liquidity and entity document uploaded. - Seller-XX/XX/XXXX <br>Open-Per the HUD-X and the corresponding Funding Statement, the cash to close needed is $XXX,XXX.XX. However, the only assets in file are XXXXXXXX XXXX #XXXX dated XX/XX/XXXX with a balance of $-XXX.XX. File has insufficient assets to provide the cash to close. Borrower also has multiple loans closing on the same day. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. This is not a cash out and October statement with sufficient liquidity and entity document uploaded. - Seller-XX/XX/XXXX<br>| Resolved-received updated bank printout signed by bank employee showing current available balance - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6712050 | N/A | N/A |
| XXXX | XXXX |  | 9857024 | Closed | 2025-11-20 03:09 | 2025-12-08 10:53 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Documentation received by email from client was sufficient. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Second Appraisal/ Valuation is not in file - Due Diligence Vendor-XX/XX/XXXX | Documentation was received by email from client. - XX/XX/XXXX <br>| Resolved-Documentation received by email from client was sufficient. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6316522 | N/A | N/A |
| XXXX | XXXX |  | 9857024 | Closed | 2025-11-20 03:18 | 2025-12-04 06:47 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-received declaration with correct dates - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The Replacement cost is $XXX,XXX<br> The Insurance coverage is $XXX,XXX<br> It is well above the XX% of the replacement cost - Seller-XX/XX/XXXX <br>Open-as per Hazard insurance Document Pg #XXX - Dwelling Coverage is $XXXXXX & Loan Amount is $XXXXXX<br> & also Insurance Document has Expired date reflecting XX/XX/XXXX Where as closing date is XX/XX/XXXX<br> please provide updated Hazard insurance Document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The Replacement cost is $XXX,XXX<br> The Insurance coverage is $XXX,XXX<br> It is well above the XX% of the replacement cost - Seller-XX/XX/XXXX<br>| Resolved-received declaration with correct dates - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6316580 | N/A | N/A |
| XXXX | XXXX |  | 9857026 | Closed | 2025-11-20 05:27 | 2025-12-26 12:36 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proof of EMD uplaoded. - Seller-XX/XX/XXXX <br>Open-Provide deposit proof of document for EMD $X,XXX which is missing from loan file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Proof of EMD uplaoded. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6317624 | N/A | N/A |
| XXXX | XXXX |  | 9857026 | Closed | 2025-11-22 06:58 | 2025-12-26 12:34 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-As per the final CD in the file, the borrower needed $XXX,XXX.XX (including $X,XXX EMD that was not verified). The borrowers liquid assets total $XXX,XXX.XX thus making the borrower short for closing $X,XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Asset Record X Meets G/L Requirements - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6354133 | N/A | N/A |
| XXXX | XXXX |  | 9857026 | Closed | 2025-11-22 07:10 | 2025-12-22 13:51 | Resolved | 1 - Information C A | Credit | Assets | Large Deposit Not Verified. | Resolved-Resolved - Client provided the XXX from a cash out refi to document the remaining large deposit. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. XXXX XXX uplaoded. - Seller-XX/XX/XXXX <br> Counter-Not cleared. The guidelines require large deposits to be verified. The file now contains evidence of the $XX,XXX deposit however we are missing all pages to the XXXXX statement from XXXXX. Additionally, the XXX from the refinance of the property was not attached for review. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. the X deposits were from a refinance of a property (XXX attached) and a line of credit from xxxxx (see attached) - Seller-XX/XX/XXXX <br> Open-As per guideline XXXXXXXXX XXXXXXXXX, - Liquid Reserves Must Be Seasoned for a Minimum of X Months for Purchase Transaction. The borrower as X large deposits that were not seasoned or sourced. One deposit on XX/XX/XX into XXXXX #XXXX for $XXX,XXX.XX and one transfer on XX/XX/XX into XXXXX # XXXX for $XX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX XXX uplaoded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. the X deposits were from a refinance of a property (XXX attached) and a line of credit from xxxxx (see attached) - Seller-XX/XX/XXXX | Resolved-Resolved - Client provided the XXX from a cash out refi to document the remaining large deposit. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6354152 | N/A | N/A |
| XXXX | XXXX |  | 9857033 | Closed | 2025-11-20 09:18 | 2025-12-03 07:26 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Updated title page - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Tax certificate is missing in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated title page - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6322315 | N/A | N/A |
| XXXX | XXXX |  | 9857036 | Closed | 2025-11-20 20:21 | 2025-12-09 08:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Assignment fee of $XK, total purchase price is $XXXK. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached snippet of the XXX. In page X you can see the Assignment fee of $XK. Therefore the total purchase price is $XXXK - Seller-XX/XX/XXXX <br>Open-We have XXX settlement statement in file at page #X-X, under settlement statement sales price reflecting as $XXX,XXX. Purchase contract addendum page #XXX dated X/XX/XXXX sales price is $XXX,XXX. Please provide updated XXX settlement statement sales price $XXX,XXX Executed Counter Sales Price $XXX,XXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached snippet of the XXX. In page X you can see the Assignment fee of $XK. Therefore the total purchase price is $XXXK - Seller-XX/XX/XXXX<br>| Resolved-Assignment fee of $XK, total purchase price is $XXXK. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6335008 | N/A | N/A |
| XXXX | XXXX |  | 9857039 | Closed | 2025-11-21 10:57 | 2025-12-18 06:02 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Resolved. Lender provided the statement ending XX/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded statement ending XX/XX/XXXX. - Seller-XX/XX/XXXX <br>Open-Per guidelines, Liquid Reserves Must Be Seasoned for a Minimum of X Months for Purchase Transactions. XXXX XX XXXXXXX account #XXXX have statement ending XX/XX/XXXX and XX/XX/XXXX. Missing statement ending XX/XX/XXXX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded statement ending XX/XX/XXXX. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided the statement ending XX/XX/XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6344392 | N/A | N/A |
| XXXX | XXXX |  | 9857041 | Closed | 2025-11-25 07:26 | 2025-12-08 10:39 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Document data clears missing Xndary value - resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Document Uploaded. The documentation received was sufficient to resolve the finding. Secondary valuation. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing SFR with XX% LTV, Xnd appraisal required. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Document Uploaded from client via email - XX/XX/XXXX <br>| Resolved-Document data clears missing Xndary value - resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Document Uploaded. The documentation received was sufficient to resolve the finding. Secondary valuation. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6380886 | N/A | N/A |
| XXXX | XXXX |  | 9857047 | Closed | 2025-11-22 05:25 | 2025-12-12 07:52 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The documentation received was sufficient to resolve the finding. License for MN - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Loan does not conform to program guidelines Based on guidelines MN is an ineligible state. - Due Diligence Vendor-XX/XX/XXXX | Document Uploaded - XX/XX/XXXX <br>| Resolved-The documentation received was sufficient to resolve the finding. License for MN - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6353921 | N/A | N/A |
| XXXX | XXXX |  | 9857049 | Closed | 2025-11-20 10:28 | 2025-12-04 12:07 | Resolved | 1 - Information B A | Credit | Credit | Missing subject property tax certificate | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-subject property tax certificate is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6324337 | N/A | N/A |
| XXXX | XXXX |  | 9857050 | Closed | 2025-11-21 07:42 | 2025-12-05 06:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Client is using replacement costs new from the appraisal and hoi shows replacement costs. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Replacement cost - $XXX,XXX<br> Insurance coverage - $XXXK<br> It is well above the replacement cost. Please clear this exception" - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Replacement cost - $XXX,XXX<br> Insurance coverage - $XXXK<br> It is well above the replacement cost. Please clear this exception" - Seller-XX/XX/XXXX<br>| Resolved-Client is using replacement costs new from the appraisal and hoi shows replacement costs. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6339263 | N/A | N/A |
| XXXX | XXXX |  | 9857051 | Closed | 2025-11-20 22:40 | 2025-12-24 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title commitment with effective date uplaoded. - Seller-XX/XX/XXXX <br>Counter-Not cleared. The lender appears to have provided documents for another loan. Missing title report with effective or commitment date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proceeds from sale of property is used for liquidity purpose. HUD and selling entity tying to the borrower uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is present in page no#XXX, but effective date or commitment date is missing. Please provide updated Title report with effective or commitment date - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title commitment with effective date uplaoded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Proceeds from sale of property is used for liquidity purpose. HUD and selling entity tying to the borrower uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6335375 | N/A | N/A |
| XXXX | XXXX |  | 9857052 | Closed | 2025-11-20 23:07 | 2025-12-09 12:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Signed Settlement statement provided. System updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Settlement statement is Missing in Loan file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Signed Settlement statement provided. System updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6335512 | N/A | N/A |
| XXXX | XXXX |  | 9857062 | Closed | 2025-11-21 03:45 | 2025-12-17 08:32 | Resolved | A | Data Edit | Data Edit | Liquid Funds Post-Close is less than $0 | Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXXXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bank statements and HUD's with cash out have been uploaded. - Seller-XX/XX/XXXX <br>Open-Liquid fund post close is less than X As per the ALTA statement in the file, the borrower was required to bring $XXX,XXX.XX. The borrower has verified assets in the amount of $XXX,XXX.XX. The borrower is short assets to close by $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Bank statements and HUD's with cash out have been uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Liquid Funds Post Close is greater than $X (Liquid Funds Post Close is $XXXXXXXX.XX) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6336759 | N/A | N/A |
| XXXX | XXXX |  | 9857062 | Closed | 2025-11-21 04:09 | 2025-12-17 08:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved - Client provide a settlement statement from another transaction that supports sufficient funds for closing and reserves. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Not cleared - Using the reserves indicated on the HUD, the loan is still short reserves in the amount of $XXX.XX for X months PITIA reserves. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This is a purchase transaction, X months PITIA reserves collected at closing, please refer to HUD. - Seller-XX/XX/XXXX <br>Open-As per guideline Guarantor Liquidity, X months reserves are required. Borrower is short the required reserves by X months or $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This is a purchase transaction, X months PITIA reserves collected at closing, please refer to HUD. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Client provide a settlement statement from another transaction that supports sufficient funds for closing and reserves. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6336934 | N/A | N/A |
| XXXX | XXXX |  | 9857064 | Closed | 2025-11-21 10:25 | 2025-12-05 09:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Resolved. Updated system with assignment to interim seller XXXXXXXXX $XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached snippet of the HUD. In page X you can see the Assignment fee of $XX. Therefore the total purchase price is $XXXk - XXXXXX-XX/XX/XXXX <br>Counter-Tape data shows sales price is $XXXk and ZLTV is XX%. Settlement statement is conflicting with sales price of $XXXk. Provide the settlement statement with sales price of $XXXk or purchase contract addendum that price was reduced back to $XXXk. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Settlement statement is reflecting sales price of $XXX,XXX, however the purchase contract dated X/XX/XXXX has the sales price listed as $XXX,XXX (Purchase contract X/XX/XXXX has the sales price of $XXX,XXX). Provide the revised addendum indicating the final sales price is $XXX,XXX dated after X/XX/XXXX or revised settlement statement with the accurate sales price of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Attached snippet of the HUD. In page X you can see the Assignment fee of $XX. Therefore the total purchase price is $XXXk - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. Updated system with assignment to interim seller XXXXXXXXX $XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6343624 | N/A | N/A |
| XXXX | XXXX |  | 9857067 | Closed | 2025-11-21 04:36 | 2025-12-16 03:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Latest Bank Statement has been provided. Reserve requirement met. Updated & Resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. October statement uplaoded with sufficient liquidity. - XXXXXX-XX/XX/XXXX <br>Open-Bank statement in file dated XX/XX/XXXX has a balance of $XXX.XX with no other assets in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. October statement uplaoded with sufficient liquidity. - XXXXXX-XX/XX/XXXX<br>| Resolved-Latest Bank Statement has been provided. Reserve requirement met. Updated & Resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6337175 | N/A | N/A |
| XXXX | XXXX |  | 9857068 | Closed | 2025-11-21 02:37 | 2025-12-16 03:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Latest Bank Statement has been provided. Reserve requirement met. Updated & Resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. October statement with sufficient liquidity uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HUD-1 funds required to close $XX,XXX.XX plus X months post close reserves required $XX,XXX.XX = $XXX,XXX.XX. Assets verified XXXXXXXXX statement xxXXXX XX/XX/XXXX $XXX.XX. Please provide G/L documentation to verify sufficient funds to close and post close reserves. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. October statement with sufficient liquidity uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Latest Bank Statement has been provided. Reserve requirement met. Updated & Resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6336371 | N/A | N/A |
| XXXX | XXXX |  | 9857079 | Closed | 2025-11-21 03:59 | 2025-12-23 22:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Cash out from the sale of a property provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cashout from the sale of a property is used for the liquidity purposes. HUD from sale uploaded. <br>Cashout: $ XX,XXX.XX - XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of X months are less than XXXXXXXXX Required Reserves of X Months. Most recent bank statement provided has an account balance of XX.XX. Please provide other assets used. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Cashout from the sale of a property is used for the liquidity purposes. HUD from sale uploaded. <br>Cashout: $ XX,XXX.XX - XXXXXX-XX/XX/XXXX<br>| Resolved-Cash out from the sale of a property provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6336834 | N/A | N/A |
| XXXX | XXXX |  | 9857080 | Closed | 2025-11-21 06:38 | 2025-12-05 01:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Resolved, received HUD-1. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HUD-1 Closing Statement missing from file.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received HUD-1. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6338334 | N/A | N/A |
| XXXX | XXXX |  | 9857082 | Closed | 2025-11-22 08:11 | 2025-12-03 07:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received executed Hud updated closing page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing final hud signed by borrower and settlement agent - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received executed Hud updated closing page. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6354232 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 09:40 | 2025-12-04 06:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Resolved, received Guaranty Agreement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Guaranty document uploaded - XXXXXX-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Missing guaranty agreement for subject property. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Guaranty document uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved, received Guaranty Agreement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6365809 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 10:49 | 2025-12-04 06:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Resolved, received final title policy. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Document is missing effective date information, required updated Title document Which Effective date information. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received final title policy. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6367238 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 10:43 | 2025-12-04 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Resolved, received HUD-1. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-1 or settlement statement is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received HUD-1. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6367136 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 12:36 | 2025-12-02 01:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Resolved, received Loan agreement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Loan agreemmennt uploaded - Seller-XX/XX/XXXX <br>Open-Missing loan agreement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Loan agreemmennt uploaded - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received Loan agreement. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6369968 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 09:18 | 2025-12-02 01:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Resolved, received deed of trust. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Deed of Trust document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Security instrument uploaded - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Missing security instrument (mortgage). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Security instrument uploaded - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received deed of trust. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Deed of Trust document provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6363347 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 09:40 | 2025-12-02 01:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. BUSINESS PURPOSE AFFIDAVIT Uploaded - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Subject property business purpose affidavit disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. BUSINESS PURPOSE AFFIDAVIT Uploaded - Seller-XX/XX/XXXX<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6365825 | N/A | N/A |
| XXXX | XXXX |  | 9857088 | Closed | 2025-11-24 09:15 | 2025-12-02 00:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note uploaded - Seller-XX/XX/XXXX <br>Open-The Note is Missing Missing note for subject property. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Note uploaded - Seller-XX/XX/XXXX<br>| Resolved-Note document provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6363305 | N/A | N/A |
| XXXX | XXXX |  | 9856933 | Closed | 2025-11-20 00:42 | 2025-12-26 11:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-The documentation received was sufficient to resolve the findings. Updated statement - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-July & August Bank Statements received (XXX #XXXX). However, a newer bank statement for that account (September XXXX) was already in the file with a balance of $XX,XXX.XX. Per the Final XXXX Settlement Statement, funds needed to close are $XX,XXX.XX. The loan does not have sufficient assets provided to cover the cash to close. The original finding was for a bank statement provided for XXXXX #XXXX in the name of XXXXXXXXXXXXXXXXXXXX. It was dated X/XX/XXXX, and therefore too outdated to use. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. July and august statements uploaded with sufficient liquidity. - Seller-XX/XX/XXXX <br>Open-Asset X Expired The Liquid Assets require a minimum of X consecutive months statements within XX days of closing. The provided statement for XXXXX XXXX is dated X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. July and august statements uploaded with sufficient liquidity. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the findings. Updated statement - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Asset X Not Expired Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6315929 | N/A | N/A |
| XXXX | XXXX |  | 9856950 | Closed | 2025-11-20 02:36 | 2025-12-30 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 2 Credit Report is Expired | Resolved-Borrower X Credit Report is not Expired. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Expired (Greater than XXX days from the Closing Date). Guidelines state the Tri-Merge report may be no older than XX days. Provided reports breach guideline requirements - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Credit Report is not Expired. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Credit report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6316301 | N/A | N/A |
| XXXX | XXXX |  | 9856953 | Closed | 2025-11-20 08:09 | 2025-12-09 23:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Provided Final policy doesn't show any liens & Judgments. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final policy uploaded without the mentioned liens cleared. - Seller-XX/XX/XXXX <br>Open-On Title report page XXX line no XX, XX there were open judgments. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final policy uploaded without the mentioned liens cleared. - Seller-XX/XX/XXXX<br>| Resolved-Provided Final policy doesn't show any liens & Judgments. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6320834 | N/A | N/A |
| XXXX | XXXX |  | 9857015 | Closed | 2025-11-21 09:54 | 2025-12-18 00:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Cash-out HUD-X from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cashout from a differnent transaction is used for liquidity, HUD uploaded. - Seller-XX/XX/XXXX <br>Open-The provided assets calculate to X.XX in monthly reserves which is less than the required X months. The XXXXX XXXXXXXXX XXXXX XXXXXX statement in file is dated X/XX/XXXX and cannot be utilized in assets due to seasoning. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cashout from a differnent transaction is used for liquidity, HUD uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Cash-out HUD-X from other property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6342872 | N/A | N/A |
| XXXX | XXXX |  | 9857015 | Closed | 2025-11-21 10:14 | 2025-11-26 07:50 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Resolved. Valuation and client clarification has been provided. XXXXXXXXX has been updated to reflect documentation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Valid appraisal uploaded. - Seller-XX/XX/XXXX <br>Open-The following properties were appraised 'subject to following repairs' without an accompanied XXXX Completion Report :<br> XXX XX Xth XX<br> XXXX X XXXXXX XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Valid appraisal uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Valuation and client clarification has been provided. XXXXXXXXX has been updated to reflect documentation. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6343327 | N/A | N/A |
| XXXX | XXXX |  | 9857038 | Closed | 2025-11-26 05:41 | 2025-12-18 07:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved. Lease agreement has been provided and XXXXXXXXX has been updated to reflect the documenation. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lease uploaded. - Seller-XX/XX/XXXX <br>Counter-The provided are not lease agreements or rent verification documents for XXXX XXXXXXX XXXXXX XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The following property utilizes the current rent in its DSCR calculations. However, the lease to confirm the rent and duration of occupancy is missing in file.<br> XXXX XXXXXXX XXXXXX XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Ready for Review-Document Uploaded. Lease uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lease agreement has been provided and XXXXXXXXX has been updated to reflect the documenation. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6397255 | N/A | N/A |
| XXXX | XXXX |  | 9732605 | Closed | 2025-11-19 21:36 | 2025-11-23 23:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Document Uploaded. Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud Report with all Cleared alerts as Per the XX XX.XX.XXXX page # XX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Cleared alerts - Seller-XX/XX/XXXX<br>| Resolved-Document Uploaded. Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6314928 | N/A | N/A |
| XXXX | XXXX |  | 9732605 | Closed | 2025-11-19 21:14 | 2025-11-21 04:51 | Resolved | 1 - Information A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXXXX XXX - score X.X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X File needs a XXXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXXXX XXX - score X.X - Seller-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6314806 | N/A | N/A |
| XXXX | XXXX |  | 9732605 | Closed | 2025-11-19 21:56 | 2025-11-20 10:31 | Resolved | 1 - Information A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX showing X) Tax amount $XXXX X) All other monthly payments $XXXX.XX , Provide updated XXXX with X) Tax amount $XXXX X) All other monthly payments $XXXX<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6315030 | N/A | N/A |
| XXXX | XXXX |  | 9732607 | Closed | 2025-11-20 10:03 | 2025-11-25 02:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. revised FSS - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Provide the updated FINAL HUD-X with closing date of XX/XX/XXXX and Settlement Agent signature missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. revised FSS - Seller-XX/XX/XXXX<br>| Resolved-Updated Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6323718 | N/A | N/A |
| XXXX | XXXX |  | 9732607 | Closed | 2025-11-20 09:27 | 2025-11-21 17:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXXX SSR - score of X - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per the Guideline version XX/XX/XXXX on page#XX, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. In file we have Collateral Desk Review on page#XXX, CU Score is X.X.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXXX SSR - score of X - Seller-XX/XX/XXXX<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6323070 | N/A | N/A |
| XXXX | XXXX |  | 9732552 | Closed | 2025-11-27 00:21 | 2025-12-16 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-confirmed all pages were updated with correct income and DTIs, confirmed XXXX income calculation and agree with client.<br> XXXXX – $XXX,XXX.XX XXXX – $XX,XXX.XX XXXXXXXXX – $XX,XXX.XX XXXXXXXX XXXX - $XXX,XXX.XX TOTAL = $ XXX,XXX.XX\*XX% = XXX,XXX.XX / XX = XX,XXX.XX Month<br> resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX income breakdown below<br>XXXXX – $XXX,XXX.XX<br> XXXX – $XX,XXX.XX<br> XXXXXXXXX – $XX,XXX.XX<br> XXXXXXXX XXXX - $XXX,XXX.XX<br>TOTAL = $ XXX,XXX.XX\*XX% = XXX,XXX.XX / XX = XX,XXX.XX Month<br> - Seller-XX/XX/XXXX <br>Counter-Provide the income calculation worksheet with gross monthly income to match the revised XXXX & XXXX income of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income items. X months income is on bank statements provided. XX% expense has now been deducted from XXXX income - Seller-XX/XX/XXXX <br>Counter-GL section X.X.X for XXXX income requires XX% expense factor or Xrd party prepared P&L with X months proof of receipt (checks, paystubs or bank statements). Also, provide a revised XXXX & XXXX with matching income. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income items - Seller-XX/XX/XXXX <br>Counter-Provide income calculation worksheet for XXXXXXXX income of $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Cert showing UW's income calculation - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Per the final XXXX and XXXX the qualifying income is $XX,XXX.XX. Provide the income calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX income breakdown below<br>XXXXX – $XXX,XXX.XX<br> XXXX – $XX,XXX.XX<br> XXXXXXXXX – $XX,XXX.XX<br> XXXXXXXX XXXX - $XXX,XXX.XX<br>TOTAL = $ XXX,XXX.XX\*XX% = XXX,XXX.XX / XX = XX,XXX.XX Month<br> - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income items. X months income is on bank statements provided. XX% expense has now been deducted from XXXX income - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated income items - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Cert showing UW's income calculation - Seller-XX/XX/XXXX<br>| Resolved-confirmed all pages were updated with correct income and DTIs, confirmed XXXX income calculation and agree with client.<br> XXXXX – $XXX,XXX.XX XXXX – $XX,XXX.XX XXXXXXXXX – $XX,XXX.XX XXXXXXXX XXXX - $XXX,XXX.XX TOTAL = $ XXX,XXX.XX\*XX% = XXX,XXX.XX / XX = XX,XXX.XX Month<br> resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6412748 | N/A | N/A |
| XXXX | XXXX |  | 9732552 | Closed | 2025-11-27 01:11 | 2025-12-04 08:29 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Resolved. RCE entered and insurance coverage is updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. RCE - Seller-XX/XX/XXXX <br>Open-Provide increased coverage or RCE documenting sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. RCE - Seller-XX/XX/XXXX<br>| Resolved-Resolved. RCE entered and insurance coverage is updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6412834 | N/A | N/A |
| XXXX | XXXX |  | 9732552 | Closed | 2025-11-27 00:29 | 2025-12-03 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. GAP credit - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Per GL XX.XX.XXXX page #XX, a gap credit report is required no more than XX days prior to loan closing or any time after closing. Provide the gap credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. GAP credit - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6412759 | N/A | N/A |
| XXXX | XXXX |  | 9732552 | Closed | 2025-12-01 11:43 | 2025-12-01 11:46 | Resolved | 1 - Information A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-Resolved-page XX XXXX provided for new construction identifies no issues from disaster alert.<br>Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved-page XX XXXX provided for new construction identifies no issues from disaster alert.<br>Property potentially affected by FEMA Disaster ID XXXX. SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 6432453 | N/A | N/A |
| XXXX | XXXX |  | 9957205 | Closed | 2025-11-26 22:06 | 2025-12-31 08:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The finding was waived with compensating factors. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Counter-Audited LTV XX% Exceeds XXXXXXXXX LTV XX% with XXX Qualifying score. Provide Exception. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Compensating factor: DSCR over X.XX and high liquidity reserves. - XXXXXX-XX/XX/XXXX <br>Open-Audited LTV Exceeds XXXXXXXXX LTV Audited LTV XX% Exceeds XXXXXXXXX LTV XX% with XXX Qualifying score. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Compensating factor: DSCR over X.XX and high liquidity reserves. - XXXXXX-XX/XX/XXXX<br>| Waived-The finding was waived with compensating factors. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  | DSCR - Loan File X.XXX, GL Requirement min X.X<br> Reserves- Loan File XX.XX months, GL Requirement X months | XXXX | Investment | Purchase | NA | 6412297 | Originator Post-Close | No |
| XXXX | XXXX |  | 9957210 | Closed | 2025-12-02 04:39 | 2025-12-23 11:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Resolved. SS received and updated including reserves on asset screen. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-HUD or settlement statement is missing in file. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Resolved. SS received and updated including reserves on asset screen. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6441995 | N/A | N/A |
| XXXX | XXXX |  | 9957211 | Closed | 2025-12-02 22:26 | 2026-01-05 07:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-The documentation received was sufficient to resolve the finding. Updated ID - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Valid DL uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower XXXXX XXXXX Drivers License is expired, Patriot form does not show un-expired date. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Valid DL uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Updated ID - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6458718 | N/A | N/A |
| XXXX | XXXX |  | 9957220 | Closed | 2025-12-02 02:58 | 2025-12-23 21:41 | Resolved | 1 - Information C A | Credit | Credit | Hazard Insurance coverage does not include Business Interruption / Rent-Loss Coverage | Resolved-HOI document with Rent loss included provided. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated insurance uploaded. - XXXXXX-XX/XX/XXXX <br>Open- Rent-Loss Coverage is missing in given hazard document. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated insurance uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-HOI document with Rent loss included provided. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6441514 | N/A | N/A |
| XXXX | XXXX |  | 9957222 | Closed | 2025-12-02 00:47 | 2025-12-30 23:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document for subject property provided. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title commitment uplaoded. - XXXXXX-XX/XX/XXXX <br>Open-Title Document is missing in Loan file - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title commitment uplaoded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Title Document for subject property provided. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6441012 | N/A | N/A |
| XXXX | XXXX |  | 9957234 | Closed | 2025-12-03 00:29 | 2025-12-24 05:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Provided the final settlement statement - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-1 or Final Settlement Statement Document is Missing from file. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Provided the final settlement statement - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6459321 | N/A | N/A |
| XXXX | XXXX |  | 9957264 | Closed | 2025-12-03 05:00 | 2025-12-23 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received prelim title updated title page. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Received prelim title updated title page. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final title policy is missing from file. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received prelim title updated title page. - XXX XXXXXXXXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6460653 | N/A | N/A |
| XXXX | XXXX |  | 9957269 | Closed | 2025-12-03 10:33 | 2025-12-30 02:29 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Resolved, received tax cert. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Actual tax is $XX,XX.XX, loan was qualified using a higher tax value for consrvative DSCR. Tax cert uploaded. - Seller-XX/XX/XXXX <br>Open-Tax amount is not matching in provided tax cert. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Actual tax is $XX,XX.XX, loan was qualified using a higher tax value for consrvative DSCR. Tax cert uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received tax cert. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6468031 | N/A | N/A |
| XXXX | XXXX |  | 9957271 | Closed | 2025-12-09 10:53 | 2026-01-12 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The documentation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Renewal document uplaoded on XX/XX - uploaded again - Expiry date - XX/XX/XXXX - Seller-XX/XX/XXXX <br>Counter-ID uploaded for borrower X was expired at time of closing - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated DL uploaded. - Seller-XX/XX/XXXX <br>Counter-Borrower X Drivers license was expired at time of closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Photo Identification/ DL Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Renewal document uplaoded on XX/XX - uploaded again - Expiry date - XX/XX/XXXX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated DL uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The documentation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6551902 | N/A | N/A |
| XXXX | XXXX |  | 9957271 | Closed | 2025-12-26 07:09 | 2025-12-30 07:28 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-document uploaded confirms bwr X permanent resident alien - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Revised citizen affidavit uploaded. - Seller-XX/XX/XXXX <br>Open-pdf page XXX for document Deal # XXXXXX - states borrower X is a US citizen, finding uploaded is borrower X Permanent resident card I-XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Revised citizen affidavit uploaded. - Seller-XX/XX/XXXX<br>| Resolved-document uploaded confirms bwr X permanent resident alien - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6809922 | N/A | N/A |
| XXXX | XXXX |  | 9957278 | Closed | 2025-12-09 11:17 | 2025-12-31 08:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-The documentation received was sufficient to resolve the finding. XXXX statement - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. September statement uplaoded, this is newly opened acccount hence it does not show any balance. - Seller-XX/XX/XXXX <br> Open-G/L two consecutive months statements required. Missing corresponding statement to Page XX Relay statement XX2709 XX/XX/XXXX for funds to close and reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. September statement uplaoded, this is newly opened acccount hence it does not show any balance. - Seller-XX/XX/XXXX | Resolved-The documentation received was sufficient to resolve the finding. XXXX statement - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX | XXXX |  |  | XXXX | Investment | Purchase | NA | 6552558 | N/A | N/A |
| XXXX | XXXX |  | 9957216 | Closed | 2025-12-09 09:57 | 2025-12-24 07:53 | Resolved | 1 - Information C A | Credit | Credit | CDA is Missing | Resolved-CDA is received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. ARR uplaoded for the mentioned location. - Seller-XX/XX/XXXX <br>Open-CDA is missing on XXX XXth Street, XXXXXXXXX, XX XXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. ARR uplaoded for the mentioned location. - Seller-XX/XX/XXXX<br>| Resolved-CDA is received. System updated. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6550384 | N/A | N/A |
| XXXX | XXXX |  | 9957223 | Closed | 2025-12-09 13:01 | 2025-12-26 08:48 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal missing from loan file. | Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX uploaded for XXXX XXXXXXX XX. - Seller-XX/XX/XXXX <br>Open-XXXX appraisal with XXXX for sub prop XXXX XXXXXXX XX not in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX uploaded for XXXX XXXXXXX XX. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6554922 | N/A | N/A |
| XXXX | XXXX |  | 9957256 | Closed | 2025-12-08 09:56 | 2025-12-23 22:01 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/1004D) | Resolved-XXXXD for XXXX XXXXXXXXXXXX, XX. provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX D for XXXX XXXXXXXXXXXX, XX. uplaoded. - Seller-XX/XX/XXXX <br>Open-XXXX D Updated Completion Report is missing in file for XXXX XXXXXXXXXXXX, XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. XXXX D for XXXX XXXXXXXXXXXX, XX. uplaoded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXD for XXXX XXXXXXXXXXXX, XX. provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6530241 | N/A | N/A |
| XXXX | XXXX |  | 9695050 | Closed | 2025-12-03 23:49 | 2025-12-12 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Waived- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception attached. - XXXXXX-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% As per review the calculated DTI is XX.XX% same as Originator DTI but as per the matrices XX/XX/XX Loan stream the DTI max allowable for LTV above XX% is max XX% - XXX XXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception attached. - XXXXXX-XX/XX/XXXX<br>| Waived- - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  | Credit Score is XXX. Minimum required per xxxxxxxxxx is XXX.<br> Borrower(s) have XX months Reserves. Minimum required per xxxxxxxxxx is X months.<br> Residual Income is $XXXX.XX. Minimum Residual Income required per xxxxxxxxxx is $XXXX. <br>| XXXX | Primary Residence | Purchase | NA | 6478851 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 9695050 | Closed | 2025-12-03 23:01 | 2025-12-05 10:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXXX.XX(a)(X)(i)) Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX, and confirmation the appraisal was delivered to the borrower page XX. The loan meets HPML xxxxxxxxxx, resolved.<br> - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXXX.XX(a)(X)(i)) Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX, and confirmation the appraisal was delivered to the borrower page XX. The loan meets HPML xxxxxxxxxx, resolved.<br> - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6478659 | N/A | N/A |
| XXXX | XXXX |  | 9695050 | Closed | 2025-12-03 23:01 | 2025-12-05 10:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX, and confirmation the appraisal was delivered to the borrower page XX. The loan meets HPML xxxxxxxxxx, resolved.<br> - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Open- - XXX XXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.XX(a)(X)(i)) Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # XXX, XXX and the Final Closing disclosure on Pg #XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX, and confirmation the appraisal was delivered to the borrower page XX. The loan meets HPML xxxxxxxxxx, resolved.<br> - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6478657 | N/A | N/A |
| XXXX | XXXX |  | 9732564 | Closed | 2025-12-04 23:41 | 2025-12-09 15:23 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Articles of Org - XXXXXX-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents, Entity Formation Doc Indicator - XXX XXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Articles of Org - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6497386 | N/A | N/A |
| XXXX | XXXX |  | 9979400 | Closed | 2025-12-08 22:00 | 2026-01-02 02:12 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, Anti-Steering Disclosure missing in the file - XXX XXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6541519 | N/A | N/A |
| XXXX | XXXX |  | 9979400 | Closed | 2025-12-09 23:18 | 2025-12-17 06:54 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-received XXXXXXX bankstmt and re-reviewed PDF file for the rest of XXXXXXXX stmt - found - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached. All pages are in both months XXX and XXX. You have to keep scrolling past the filler pages. Page numbers are in top right corner. All pages are present. - XXXXXX-XX/XX/XXXX <br>Open-Provide missing statements for XXX XXXX (only X page in file) and XXX. XXXX for acct#XXXX to verify income calculation - XXX XXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached. All pages are in both months XXX and XXX. You have to keep scrolling past the filler pages. Page numbers are in top right corner. All pages are present. - XXXXXX-XX/XX/XXXX<br>| Resolved-received XXXXXXX bankstmt and re-reviewed PDF file for the rest of XXXXXXXX stmt - found - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6560434 | N/A | N/A |
| XXXX | XXXX |  | 9979485 | Closed | 2025-12-11 00:45 | 2025-12-17 02:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Certified copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Settlement date on page#XXX is XX/XX/XXXX and Notary date is XX/XX/XXXX however prepaid start date is XX/XX/XXXX. Provide updated HUD - XXX XXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Certified copy of Final Settlement Statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXX XXXXXXX-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - XXX XXXX XXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6579372 | N/A | N/A |
| XXXX | XXXX |  | 9983916 | Closed | 2025-12-19 05:19 | 2026-01-09 02:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated 1008 & PCCD provided. Tax now matching with provided PCCD.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Provided monthly tax $XXX.XX is not matching with 1008 and final CD $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated 1008 & PCCD provided. Tax now matching with provided PCCD.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6701455 | N/A | N/A |
| XXXX | XXXX |  | 9983923 | Closed | 2025-12-10 01:34 | 2025-12-26 09:48 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Gift documented. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide proof of wire for gift of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Gift documented. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6560999 | N/A | N/A |
| XXXX | XXXX |  | 9983931 | Closed | 2025-12-10 07:46 | 2025-12-30 12:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy received. Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s). - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Provide Title/ Supplemental Report with updated Title Coverage amount of $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final Title Policy received. Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s). - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6564899 | N/A | N/A |
| XXXX | XXXX |  | 9983936 | Closed | 2025-12-10 05:41 | 2026-02-12 13:05 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Insurer would need to provide Letter for Gap period or amended policy effective date on or prior to Disbursement. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The borrower is clearly confirming no damage, nor any claims filed that would affect the value of the property - the borrower has no incentive to lie about this. We are not going to be able to obtain evidence of no claims from the insurer who was not the insurer during this period of time. The borrower has no gain in providing false information. If a claim was filed, XXXXXXXX would be made aware as we are the lien holder. Please escalate to buyer. Thank you - Seller-XX/XX/XXXX <br>Counter-Pending documentation from Insurer. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note and CD Disbursement Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-The borrower is clearly confirming no damage, nor any claims filed that would affect the value of the property - the borrower has no incentive to lie about this. We are not going to be able to obtain evidence of no claims from the insurer who was not the insurer during this period of time. The borrower has no gain in providing false information. If a claim was filed, XXXXXXXX would be made aware as we are the lien holder. Please escalate to buyer. Thank you - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  | Investor waived with the following compensating factors:<br> FICO: XXX<br> Reserves: $XXX,XXX.XX or XX months<br> DTI: XX.XX% | XXXX | Primary Residence | Purchase | NA | 6563089 | Investor Post-Close | No |
| XXXX | XXXX |  | 9983936 | Closed | 2025-12-10 07:02 | 2026-01-28 10:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Missing COC for Lender Credit CD XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC not provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6564044 | N/A | N/A |
| XXXX | XXXX |  | 9983936 | Closed | 2025-12-10 11:36 | 2025-12-30 09:47 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per FNMA B3-4.3-01, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. 2 months statements are required only on depository accounts. - Seller-XX/XX/XXXX <br>Open-Asset Qualification Does Not Meet Guideline Requirements DU missing corresponding month statement for required 2 month period for XXXXXXXX and XXXXXX XXXXXXXX to verify funds required to close and X months post close reserves. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Per FNMA B3-4.3-01, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. 2 months statements are required only on depository accounts. - Seller-XX/XX/XXXX<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6571438 | N/A | N/A |
| XXXX | XXXX |  | 9979497 | Closed | 2025-12-12 04:14 | 2025-12-17 08:26 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Title Courier Fee $XX.XX added in B-Sec of PCCD and Provider is not same as Provider in SPL to make it to creditor list resulting insufficient fail. Provide documentation for tolerance cure - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6598042 | N/A | N/A |
| XXXX | XXXX |  | 9979497 | Closed | 2025-12-12 04:08 | 2025-12-17 08:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6597999 | N/A | N/A |
| XXXX | XXXX |  | 9979497 | Closed | 2025-12-12 04:08 | 2025-12-17 08:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))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 XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6598000 | N/A | N/A |
| XXXX | XXXX |  | 9979394 | Closed | 2025-12-16 22:13 | 2025-12-22 00:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document with corrected P&I uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX Mortgage P&I is $X,XXX.XX vs $X,XXX.XX in Note document. provide updated XXXX document with correct P&I - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX Document with corrected P&I uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6655846 | N/A | N/A |
| XXXX | XXXX |  | 9979394 | Closed | 2025-12-15 22:46 | 2025-12-19 01:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX with Borrower X Marital status & Race Selection provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Incomplete Borrower X Marital status and Race is not checked in both initial and Final XXXX, need addendum or updated form with the required information - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX with Borrower X Marital status & Race Selection provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6636782 | N/A | N/A |
| XXXX | XXXX |  | 9979394 | Closed | 2025-12-15 22:46 | 2025-12-19 01:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Updated XXXX with Borrower X Race Selection provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Race Selection is Not Provided in Initial or Final XXXX, need addendum for Demographics of borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX with Borrower X Race Selection provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Race Selection is Provided or is Not Applicable (Number of Borrowers is X) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6636781 | N/A | N/A |
| XXXX | XXXX |  | 9979394 | Closed | 2025-12-16 04:53 | 2025-12-18 09:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) 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 XX CFR §XXXX.XX, 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 # XXX,XXX-XXX and the Final Closing disclosure on Pg #XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX, XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)) 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 XX CFR §XXXX.XX, 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 # XXX,XXX-XXX and the Final Closing disclosure on Pg #XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg #XXX, XXX. An interior and exterior appraisal was completed for this property – see Pg #XX, the appraisal disclosure was provided to the borrower Pg #XXX and confirmation the appraisal was delivered to the borrower – see Pg #XXX. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6638597 | N/A | N/A |
| XXXX | XXXX |  | 9985031 | Closed | 2025-12-27 22:31 | 2026-01-14 17:05 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing proof of hazard insurance | Resolved-The documentation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Not cleared - The provided hazard insurance document premiums of ($XXX.X / XX = $XX.XX and $XXXX / XX = $XXX.XX) = $XXX.XX. The Final Settlement Statement on page X shows a monthly premium amount of $XXX.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. hazrad insurace + liability combined annual premium is XXXX.X. Uploaded the liabiltya and hazrad coverage dcouemnts. $XXXX+$XXX.XX - Seller-XX/XX/XXXX <br>Open-Hazard insurance premium per hazard insurance doc on page #XXX is $XXX.XX (or $X,XXX annually). However final HUD shows hazard amount as $XXX.XX. Provide updated hazard insurance document validating this $XXX.XX amount. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. hazrad insurace + liability combined annual premium is XXXX.X. Uploaded the liabiltya and hazrad coverage dcouemnts. $XXXX+$XXX.XX - Seller-XX/XX/XXXX<br>| Resolved-The documentation was sufficient to resolve the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6824245 | N/A | N/A |
| XXXX | XXXX |  | 9985031 | Closed | 2025-12-27 22:19 | 2026-01-14 16:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The documentation received was sufficient to resolve the finding. Update assets - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated bank statements uploaded - Seller-XX/XX/XXXX <br>Open-XXXXXXXXXX require a minimum X months reserves. However the loan file has only X.XX months reserves. Provide additional assets to meet reserve requirement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated bank statements uploaded - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Update assets - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6824242 | N/A | N/A |
| XXXX | XXXX |  | 9985071 | Closed | 2025-12-29 04:19 | 2026-01-12 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Provided Title document shows commitment date. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Title commitment uplaoded - Seller-XX/XX/XXXX <br>Open-Provided title document Effective date is missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Title commitment uplaoded - Seller-XX/XX/XXXX<br>| Resolved-Provided Title document shows commitment date. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6827358 | N/A | N/A |
| XXXX | XXXX |  | 9984966 | Closed | 2025-12-20 08:35 | 2026-01-22 15:20 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing proof of hazard insurance | Resolved-The documentation received was sufficient to resolve the finding. Letters for the Rent Loss - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached declaration page please review Loss of Rents section which list the annual amount provided. I have also included the letter from the carrier re-confirming coverage. - Seller-XX/XX/XXXX <br>Open-Loss of rents for the below properties is not sufficient <br> XXX XXXXXX XX <br> XXX XXXXXX XXXXXX <br> XXX XXXXXXXXX XXX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached declaration page please review Loss of Rents section which list the annual amount provided. I have also included the letter from the carrier re-confirming coverage. - Seller-XX/XX/XXXX<br>| Resolved-The documentation received was sufficient to resolve the finding. Letters for the Rent Loss - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6722887 | N/A | N/A |
| XXXX | XXXX |  | 9984966 | Closed | 2025-12-20 08:34 | 2026-01-20 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Sub properties have sufficient coverage - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached all property insurance as well as HOA, with Condominium Master policy - Seller-XX/XX/XXXX <br>Open-Provide HOX policy for below properties as it is missing from file - <br> XXXX XXXXXXXXXXX XXX,<br> XXX XXXXXX XXX, <br> XXX XXXXXXXXX XXX, <br> XXX XXXXXXXXX XXX, <br> XXX XXXXXXX XXX.<br> For XXX XXXXXX XX Unit XX shows coverage amount of XXX,XXX with rent loss coverage amount of XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See attached all property insurance as well as HOA, with Condominium Master policy - Seller-XX/XX/XXXX<br>| Resolved-Sub properties have sufficient coverage - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 6722886 | N/A | N/A |
| XXXX | XXXX |  | 9979422 | Closed | 2025-12-25 23:11 | 2026-01-02 07:51 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. property profile uploaded and in file, property obtained in XXXX . - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Unable to verify XX month housing history of primary residence. Primary Mortgage or Current Rent History verified from mtg statement pg-XXX. Provided supplement credit report on pg- XXX where mtg with account #XXXX has XX month history was closed, but unable to verify that #XXXX account is for primary residence. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. property profile uploaded and in file, property obtained in XXXX . - Seller-XX/XX/XXXX<br>| Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Lender Initiated | 6806455 | N/A | N/A |
| XXXX | XXXX |  | 9979421 | Closed | 2025-12-31 06:30 | 2026-01-02 07:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X% LTV exception to XX% approved.<br>- Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds XXXXXXXXX LTV of XX% ITIN Max cash out LTV is XX%. LTV is XX%Exception mentioned on XXXX not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXX |  | X. XXX Representative credit score exceeds the minimum required of XXX by XX points.<br> X. Reserves exceeds the minimum X months required per GL. Borrower has XX months of reserves. | XXXX | Investment | Refinance | Cash Out - Other | 6869744 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 10084848 | Closed | 2025-12-29 01:46 | 2026-01-15 07:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third Party Market Rent Source XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. The proof of Third party market rent estimate is missing in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Third Party Market Rent Source XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 6826584 | N/A | N/A |
| XXXX | XXXX |  | 9979435 | Closed | 2025-12-28 23:25 | 2026-01-20 07:49 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing PCCD. | Resolved-PCCD Uploaded - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-As per gift letters and wire transfers, the Gift Funds for $XXX,XXX are not listed on the Final Closing Disclosure. Requesting updated PCCD with gift amount.<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-PCCD Uploaded - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6826044 | N/A | N/A |
| XXXX | XXXX |  | 9979435 | Closed | 2025-12-28 23:19 | 2026-01-15 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Previous Note dated XXXXXXXX XX, XXXX which meets XX month requirement - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Unable to verify XX months housing history. Please provide proof to meet guidelines. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the the borrower XX months housing history hence updated as zero. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Previous Note dated XXXXXXXX XX, XXXX which meets XX month requirement - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6826012 | N/A | N/A |
| XXXX | XXXX |  | 9979435 | Closed | 2025-12-29 04:12 | 2026-01-14 03:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide the updated income worksheet document with XX months business bank statements and XX months personal bank statements because borrower income qualifies with XX month business and XX month personal bank statements but worksheet is provided for X months for personal and X months for business bank statements. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved' - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6827321 | N/A | N/A |
| XXXX | XXXX |  | 9979435 | Closed | 2025-12-28 21:00 | 2026-01-12 08:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Document Uploaded. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Missing evidence of Mortgage recording, Provide the evidence of mortgage sent - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Document Uploaded. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825579 | N/A | N/A |
| XXXX | XXXX |  | 9979435 | Closed | 2025-12-28 20:56 | 2026-01-06 23:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide the XX final XXXX with current address "How Long at Current Address" with years. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Final XXXX is Present - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825573 | N/A | N/A |
| XXXX | XXXX |  | 9979435 | Closed | 2025-12-28 21:05 | 2026-01-06 23:38 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential Loan policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount $XXX,XXX - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Short Form Residential Loan policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6825588 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 03:09 | 2026-01-20 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower X Paystubs Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-received paystubs with YTD - resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-per GLs for Full doc (XX-months) loans: the borrower's recent paystub (reflecting XX days of pay and YTD earnings) upload does not contain YTD earnings<br> Wage or Salaried Borrowers:<br> \*A completed Request for Verification of Employment (Form XXXX or Form XXXXX(S)), or the borrower's <br> recent paystub (reflecting XX days of pay and YTD earnings) and IRS W-X form for the most recent tax <br> year - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Paystubs Missing Recent XX days paystub is required, in case no from XXXX or from XXXXX(S) provided by the borrower. - XXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Paystubs Provided - XXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-received paystubs with YTD - resolved - XXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6826911 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 03:09 | 2026-01-20 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower X WX/XXXX Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-WXs for year XXXX and XXXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Pay stub for more recent year (XXXX) uploaded. WXs for XXXX-XXXX in package. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X WX/XXXX Missing Missing XXX WX-X form for the most recent tax year. In case no from XXXX or from XXXX(X) provided by the borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Pay stub for more recent year (XXXX) uploaded. WXs for XXXX-XXXX in package. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X WX/XXXX Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-WXs for year XXXX and XXXX uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6826912 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 03:09 | 2026-01-20 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income worksheet is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6826914 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 03:09 | 2026-01-20 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-received Xrd part VOE - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Xrd party VOE within XX days prior to closing not in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Third party VOE is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-received Xrd part VOE - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6826908 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 03:09 | 2026-01-20 06:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-X Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Borrower X Executed XXXX-X Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Executed XXXX-X Missing Executed XXXX-X is missing in the file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Borrower X Executed XXXX-X Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXX-X uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6826909 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 05:03 | 2026-01-13 12:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final XXX-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-no document uploaded - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Proof of wire uploaded is in file, issue is Final XXX not showing Gift funds iao $XX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Final XXX-X Document is Missing. As per wire or transfer proof on pg#XXX, Gift of $XX,XXX as been wired or deposited to closing on XX/XX/XXXX which is same as closing date of XX/XX/XXXX, but the Gift is not reflecting on Final XXX-X settlement statement on pg#XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Final XXX-X Document is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6827796 | N/A | N/A |
| XXXX | XXXX |  | 10084723 | Closed | 2025-12-29 04:25 | 2026-01-12 08:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Poof of Borrower X Non-US Citizen Identification Document Missing, as borrower is a permanent resident alien. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Purchase | NA | 6827426 | N/A | N/A |
| XXXX | XXXX |  | 10084835 | Closed | 2026-01-05 08:42 | 2026-01-08 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception approved for use of XXX FICO. XX min is XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, per Exception already address that the FICO is XXX, which is below the minimum requirement for the LTV. - XXXXXX-XX/XX/XXXX <br>Open-FICO value does not meet Guideline requirements FICO of XXX is less than XXX. FICO minimum of XXX needed in order to waive the LTV finding per that exception. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, per Exception already address that the FICO is XXX, which is below the minimum requirement for the LTV. - XXXXXX-XX/XX/XXXX<br>| Waived-Exception approved for use of XXX FICO. XX min is XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  | XX.XX% XXX is below the maximum XX% XXX by XX%<br> Borrower has $XX,XXX.XX residual income after all expenses. <br> Reserves XX months exceeded the guideline requirement of X months over the required minimum | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6914371 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 10084835 | Closed | 2025-12-30 02:56 | 2026-01-08 11:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception to allow a maximum LTV of XX% is granted. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Hi, yes the Exception already address the FICO as being only XXX and it was granted for the Exception. - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Exception approval in file on page #XXX The X% LTV exception is approved. Per guidelines, a minimum FICO of XXX is required to qualify for a XX% LTV. Theborrower's FICO is XXX (does not meet guideline requirements), which is X points below the minimum requirement. Exception to allow a maximum LTV of XX%<br> is granted. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Hi, yes the Exception already address the FICO as being only XXX and it was granted for the Exception. - Seller-XX/XX/XXXX<br>| Waived-Exception to allow a maximum LTV of XX% is granted. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | XX.XX% DTI is below the maximum XX% DTI by XX%<br> Borrower has $XX,XXX.XX residual income after all expenses. <br> Reserves XX months exceeded the guideline requirement of X months over the required minimum | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6847675 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 10084835 | Closed | 2025-12-30 04:34 | 2026-01-06 23:45 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. There is mismatch in Principal and Interest amount in XXXX $X,XXX.XX vs $X,XXX.XX Note. Please provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6848397 | N/A | N/A |
| XXXX | XXXX |  | 10084835 | Closed | 2025-12-30 04:34 | 2026-01-05 08:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6848403 | N/A | N/A |
| XXXX | XXXX |  | 10084835 | Closed | 2025-12-30 04:34 | 2026-01-05 08:44 | 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 (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 6848405 | N/A | N/A |
| XXXX | XXXX |  | 10084870 | Closed | 2025-12-31 04:41 | 2026-01-12 02:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-I-XXX Permanent Resident Card uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Missing Borrower X Photo Identification. Please provide valid photo identification per guideline requirements. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-I-XXX Permanent Resident Card uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6867814 | N/A | N/A |
| XXXX | XXXX |  | 10084870 | Closed | 2025-12-31 03:20 | 2026-01-12 02:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date of XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-PCCD uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date of XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX The policy period for current hazard insurance policy on pg#XXX is from XX/XX/XXXX-XX/XX/XXXX, which is dated after note date of XX/XX/XXXX, hence required copy of HOI policy which is issued prior to closing date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD uploaded, Hazard Insurance Effective Date of XX-XX-XXXX is same as the Disbursement date of XX-XX-XXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6867080 | N/A | N/A |
| XXXX | XXXX |  | 10084850 | Closed | 2026-01-01 21:55 | 2026-01-13 01:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD uploaded, Disbursement date-XX/XX/XXXX is after the notary date and sign date of - XX/XX/XX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Disbursement date-XX/XX/XXXX is before the notary date and sign date of - XX/XX/XX. provide updated document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PCCD uploaded, Disbursement date-XX/XX/XXXX is after the notary date and sign date of - XX/XX/XX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6888174 | N/A | N/A |
| XXXX | XXXX |  | 10084850 | Closed | 2026-01-13 01:19 | 2026-01-13 01:22 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX XXX XXXXXX.X(d)(X); XXX XX(c)(X)(ii)-X) - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved- - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7055313 | N/A | N/A |
| XXXX | XXXX |  | 10084850 | Closed | 2025-12-30 06:06 | 2026-01-08 04:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CU (XXXXXX XXX) uploaded, verified & entered in system - Resolved.<br> - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Review product/Secondary Valuation missing in the file<br> (XXXXXX XXX in loan file on page#XXX s not for subject property) - XXXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-CU (XXXXXX XXX) uploaded, verified & entered in system - Resolved.<br> - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6849237 | N/A | N/A |
| XXXX | XXXX |  | 10084817 | Closed | 2025-12-31 00:32 | 2026-01-20 06:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COC updated Revised LE and reran mavent all clear. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Need COC for the credit changing from initial LE to the revised CD as the credit remained the same from revised LE to the final CD. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,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. (XX XXX XXXXXX.X(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX XXX XXXXXX.X(f)(X)(v); XX XXX XXXXXX.X(g)(X); XX XXX XXXXXX.X(h)). Provide Change in Circumstance for Lender Credit<br> Lender credit fee decreased from Initial LE $X,XXX to $X,XXX in revised LE for which no COC is provided.<br> - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Received COC updated Revised LE and reran mavent all clear. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6866150 | N/A | N/A |
| XXXX | XXXX |  | 10084817 | Closed | 2026-01-05 13:58 | 2026-01-08 06:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Updated asset page used the gift funds in amount of XX,XXX - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Have gift fund letter for XXX,XXX need the wire confirmation as well. Also appears borrower is using X% of own funds and the remaining funds from the gift funds cannot be used for reserves based on guidelines. - XXXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated asset page used the gift funds in amount of XX,XXX - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6921791 | N/A | N/A |
| XXXX | XXXX |  | 10084817 | Closed | 2025-12-31 00:32 | 2026-01-20 06:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6866152 | N/A | N/A |
| XXXX | XXXX |  | 10084817 | Closed | 2025-12-31 00:32 | 2026-01-20 06:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXXX.X(X)(i)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.X(X)). 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 XX XXX §XXXXXX.X, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6866151 | N/A | N/A |
| XXXX | XXXX |  | 10084808 | Closed | 2026-01-06 20:13 | 2026-01-23 08:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception in file for not meeting the minimum program reserves of X months (X.XX months of reserves, short by $X,XXX.XX). - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) The required reserves per the X/X/XXXX XX Matrix is X months. The audited reserves are only X.XX months with a reserve shortage $-$X,XXX.XX. Provide additional assets to meet the guideline requirement. - XXXX XXXXXXXXX XX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Waived-Exception in file for not meeting the minimum program reserves of X months (X.XX months of reserves, short by $X,XXX.XX). - XXXX XXXXXXXXX XX-XX/XX/XXXX<br>| XXXX |  | -XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> - Borrower has $XX,XXX residual income after all expenses. Minimum required per guideline is ≤ $X,XXX. | XXXX | Primary Residence | Purchase | NA | 6950371 | Originator Post-Close | Yes |
| XXXX | XXXX |  | 10084808 | Closed | 2026-01-06 23:12 | 2026-01-20 01:09 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Housing is owned free and clear, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide XX months housing history for property "XXXXX XXXXXXXX XX, XXXXXXX, XX, XXXXX" as no supporting documentation located in file to support a XX months housing history. (Additionally, XX% LTV Purchase requires XxXxXX for X months reserves). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Primary Housing is owned free and clear, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6951219 | N/A | N/A |
| XXXX | XXXX |  | 10084808 | Closed | 2026-01-06 04:49 | 2026-01-23 08:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X 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 (X.X%).(XX CFR XXXXX.XX(a)(X)(i)) This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%). (XXX. XXX. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(I)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) 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 XX CFR §XXXXX.XX, 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pgXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X 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 (X.X%).(XX CFR XXXXX.XX(a)(X)(i)) This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%). (XXX. XXX. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(I)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X)) 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 XX CFR §XXXXX.XX, 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 XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX. An interior and exterior appraisal was completed for this property – see pgXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML XXXXXXXXXX, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6930307 | N/A | N/A |
| XXXX | XXXX |  | 10085014 | Closed | 2026-01-09 03:33 | 2026-01-20 07:38 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated XXXX uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. new XXXX attached - Seller-XX/XX/XXXX <br>Open-Calculated DTi XX.XX% vs XX.XX% in XXXX more than X% tolerance limit. Diligence Final Look DTI does not match XXXX, as per XXXX and XXX all other monthly labilities is $X,XXX vs $X,XXX in XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. new XXXX attached - Seller-XX/XX/XXXX<br>| Resolved-Updated XXXX uploaded - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7000467 | N/A | N/A |
| XXXX | XXXX |  | 10085014 | Closed | 2026-01-08 22:36 | 2026-01-20 07:28 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Final settlement statement attached to show disbursement was X/X. HOI is ok. Please clear. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after closing XX/XX/XX and disbursement XX/XX/XX. Provide Hazard insurance covering Note date - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Final settlement statement attached to show disbursement was X/X. HOI is ok. Please clear. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 6999170 | N/A | N/A |
| XXXX | XXXX |  | 10085014 | Closed | 2026-01-09 03:24 | 2026-01-12 11:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, 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 XXX and the Final Closing disclosure on Pg#'s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))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 XX CFR §XXXXX.XX, 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 XXX and the Final Closing disclosure on Pg#'s XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Purchase | NA | 7000415 | N/A | N/A |
| XXXX | XXXX |  | 10084969 | Closed | 2026-01-15 01:48 | 2026-01-22 01:03 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary housing is verified to be owned Free & Clear, Housing History Meets XXXXXXXXX Requirements, Verified & Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements No proof of documents are available to verify Primary residence mortgage history and payments. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Primary housing is verified to be owned Free & Clear, Housing History Meets XXXXXXXXX Requirements, Verified & Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7104459 | N/A | N/A |
| XXXX | XXXX |  | 10084969 | Closed | 2026-01-15 02:46 | 2026-01-16 06:55 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-VOM uploaded. DTI updated to XX%. Meets GL. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-No proof of documents are available to verify Primary mortgage PITI of $XXXX.XX from XXXX XXXXXX XXXX, XXXXXXXXX XXXX, XX XXXXX, XX. hence updated Primary residence expenses as $X.XX and As per supplemental credit report XXXXXXXXXX XXXXXXXX - XXXX installment account has been paid in full, due to which the calculated DTI is XX.XXX, whereas U/W calculated DTI is XX.XX%. The Vom on pg#XXX and Borrower lox on pg#XXX indicates the REO property XXX X XXXXXXX XX, XXXXXXXXX, XX XXXXX is belongs to borrower spouse and borrower is not liable for the mortgage, whereas U/W as included $XXX.XX as net rental loss in DTI. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-VOM uploaded. DTI updated to XX%. Meets GL. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7104684 | N/A | N/A |
| XXXX | XXXX |  | 10084857 | Closed | 2026-01-16 00:40 | 2026-01-29 08:36 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower lived rent free in rental in prior residence per LOX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Mortgage details verified in pg#XXX shows mortgage open from XX/XXXX, hence considered total primary mortgage months reviewed as X months. Borrower lived for rent in former property #XXX XXXXXX XXXXXXXX per Final XXXX pg#XXX but VOR not available to verify the rent history. Provide VOR for former address to verify the primary rent/housing history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower lived rent free in rental in prior residence per LOX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7130295 | N/A | N/A |
| XXXX | XXXX |  | 10084857 | Closed | 2026-01-20 08:15 | 2026-01-23 06:51 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Evidence of income calculation uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-DTI variance due to variance in calculated income and originator calculated income. <br> Qualifying the borrower with XX months personal bank statements (XX# XXXX) using<br> Net Deposits = ($XXX,XXX.XX - XX% Expenses) \* XXX% ownership = $XXX,XXX.XX/ XX = $XX,XXX.XX (Expense factor XX% considered per CPA pg#XXX). Loan Approval pg#XXX shows BS Type as personal and so considered only personal bank statements for income calculation.<br> Using Business search page#XXX, CPA page #XXX and Business Narrative page#XXX confirms business since XXXX and borrower having XXX% ownership. Latest dated Lender worksheet in pg#XXX-XXX. Final XXXX/XXXX shows Borrower Income as $XX,XXX.XX but no evidence of income calculation documentation for the same. Expense Factor discrepancy. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Evidence of income calculation uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7178941 | N/A | N/A |
| XXXX | XXXX |  | 10084665 | Closed | 2026-01-21 10:55 | 2026-01-23 06:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Validation Resolved or Not Applicable ITIN letter in file, DL and passport from country of origin in file - GLs section X.X.X ITIN requirement - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Borrower X ITIN information Missing. Please provide acceptable documentation. The final XXXX on page XXX indicates the borrower is a Non-Permanent Resident Alien and per the GL section X.X.X a visa and/or EAD document is required. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved or Not Applicable ITIN letter in file, DL and passport from country of origin in file - GLs section X.X.X ITIN requirement - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7217981 | N/A | N/A |
| XXXX | XXXX |  | 10084665 | Closed | 2026-01-15 07:36 | 2026-01-26 06:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.X(X)(X)) The loan meets XXXX Guidelines and is a Compliant XXXX loan.<br>This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX, XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XX XXX XXXXX.X(X)(X)) The loan meets XXXX Guidelines and is a Compliant XXXX loan.<br>This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX, XXX. The loan meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7108562 | N/A | N/A |
| XXXX | XXXX |  | 10084665 | Closed | 2026-01-15 07:36 | 2026-01-26 06:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXXX.X(X)(X)) The loan meets XXXX Guidelines and is a Compliant XXXX loan.<br>This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX, XXX. The loan meets XXXX guidelines. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X 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 (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXXX.X(X)(X)) The loan meets XXXX Guidelines and is a Compliant XXXX loan.<br>This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))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 XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX 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#'sXXX and the Final Closing disclosure on Pg#'sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#'sXXX, XXX. The loan meets XXXX guidelines. <br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | 7108563 | N/A | N/A |
| XXXX | XXXX |  | 10084882 | Closed | 2026-01-18 02:44 | 2026-01-30 06:13 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received rent free letter for prior address at XXXX XXXXX X XXXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-No document was attached - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower living in property#XXX X X XX(Primary property) with active mortgage verified in credit report page#XXX with months reviewed X months. Borrower lived in former address #XXXX XXXXX X XXXXXX for X+years per Final XXXX pg#XXX but no evidence of ownership document for the same. Provide ownership documents for former address #XXXX XXXXX X XXXXXX to verify XXmonths housing history for borrowerX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received rent free letter for prior address at XXXX XXXXX X XXXXXX - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7155685 | N/A | N/A |
| XXXX | XXXX |  | 10084882 | Closed | 2026-01-20 12:52 | 2026-01-23 06:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final XXX-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final XXX-X Document is Missing. Need the executed final xxx signed by borrower and title. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final XXX-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | 7186283 | N/A | N/A |
| XXXX | XXXX |  | 10084749 | Closed | 2026-01-20 10:51 | 2026-01-28 07:23 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Document Uploaded. - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Ready for Review-We qualified using two HOI policies- both have been provided and have a combined total of XXX,XXX total coverage. The cost estimator provided by the insurance agent also has a replacement cost of XXX,XXX. So technically we really only need the one policy, but we are still utilizing both. Thank you - Seller-XX/XX/XXXX _xXXXX_<br> Counter-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-We qualified using two HOI policies- both have been provided and have a combined total of XXX,XXX total coverage. The cost estimator provided by the insurance agent also has a replacement cost of XXX,XXX. So technically we really only need the one policy, but we are still utilizing both. Thank you - Seller-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-Document Uploaded. - XXX XXXXXXXXX XX-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Second Home | Purchase | NA | 7183509 | N/A | N/A |
| XXXX | XXXX |  | 10084749 | Closed | 2026-01-17 10:45 | 2026-01-23 13:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC uploaded - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<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: Appraisal Review 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. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(X)). Appraisal Review Fee $XXX newly added in Revised LE but COC for the same is not available in file. Provide COC for Appraisal Review Fee addition. - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-COC uploaded - XXX XXXXXXXXX XX-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Second Home | Purchase | NA | 7154262 | N/A | N/A |
| XXXX | XXXX |  | 10084749 | Closed | 2026-01-17 10:45 | 2026-01-23 13:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC uploaded - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(X) and comments XX(e)(X)(X)-X and - X; XX CFR XXXX.XX(f)(X)(X); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased from Initial LE($XXX) to Revised LE($X) but COC for the same is not available in file. Provide COC for Lender Credits decrease. - XXX XXXXXXXXX XX-XX/XX/XXXX _xXXXX_<br> Open- - XXX XXXXXXXXX XX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX_xXXXX_ | Resolved-COC uploaded - XXX XXXXXXXXX XX-XX/XX/XXXX_xXXXX_ | XXXX |  |  | XXXX | Second Home | Purchase | NA | 7154259 | N/A | N/A |

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## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 5 - Supplemental Data Extract Report**

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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** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX |  | 9129192 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $1858.58 | Yes | 18.000% | $4585.08 | $382.09 | $2352.96 | $196.08 | $0.00 | $0.00 | $0.00 | $2436.75 |  | N/A | XXXX | 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 | 1.024 | 1.024 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | PA | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24462.17 | 10 | 117152.48 | 48.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9129236 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $963.49 | Yes | 18.000% | $2068.20 | $172.35 | $2276.04 | $189.67 | $0.00 | $0.00 | $0.00 | $1325.51 |  | N/A | XXXX | 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 | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OK | United States | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 76436.61 | 57.7 | 111830.51 | 84.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9129257 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.990% | 7.990% | $831.30 | Yes | 18.000% | $676.08 | $56.34 | $1371.12 | $114.26 | $0.00 | $0.00 | $0.00 | $1001.90 |  | N/A | XXXX | 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 | 1.278 | 1.278 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10465.00 | 10.4 | 79406.60 | 79.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9129334 | 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% | $3717.86 | Yes | 18.000% | $3470.76 | $289.23 | $2124.36 | $177.03 | $0.00 | $0.00 | $0.00 | $4184.12 |  | N/A | XXXX | 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 | 1.004 | 1.004 | 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 | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States | XXXX | USA | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16578.41 | 4 | 537381.67 | 128.4 | No | 73.65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9186121 | 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% | $1536.97 | Yes | 18.000% | $1184.04 | $98.67 | $1180.92 | $98.41 | $0.00 | $0.00 | $0.00 | $1734.05 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 15.76% | 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 | 1.186 | 1.186 | 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 | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 5 | XXXX |  |  | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 93462.02 | 53.9 | 93462.02 | 53.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9186123 | 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% | $1559.24 | Yes | 18.000% | $734.16 | $61.18 | $1077.96 | $89.83 | $0.00 | $0.00 | $0.00 | $1710.25 |  | N/A | XXXX | 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 | 1.228 | 1.228 | 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 | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26579.39 | 15.5 | 26579.39 | 15.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9186124 | 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% | $1531.40 | Yes | 18.000% | $568.32 | $47.36 | $1713.96 | $142.83 | $0.00 | $0.00 | $0.00 | $1721.59 |  | N/A | XXXX | 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 | 1.217 | 1.217 | 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 | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 5 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 94032.11 | 54.6 | 94032.11 | 54.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9226599 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $1606.71 | Yes | 24.000% | $3571.44 | $297.62 | $1125.48 | $93.79 | $0.00 | $0.00 | $0.00 | $1998.12 |  | N/A | XXXX | 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 | 1.001 | 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 | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29265.08 | 14.7 | No | 56.82 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9246374 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.125% | 8.125% | $1436.73 | Yes | 18.000% | $582.12 | $48.51 | $1441.56 | $120.13 | $0.00 | $0.00 | $0.00 | $1605.37 |  | N/A | XXXX | 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 | 1.339 | 1.339 | 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 | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57579.67 | 35.9 | 61589.67 | 38.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9218060 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $3317.71 | No |  | $3219.96 | $268.33 | $2175.00 | $181.25 | $648.00 | $54.00 | $0.00 | $3821.29 |  | N/A | XXXX | XXXX | $54.00 | 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 | 1.005 | 1.005 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 164281.79 | 43 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9246529 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $629.36 | Yes | 18.000% | $845.76 | $70.48 | $1245.00 | $103.75 | $0.00 | $0.00 | $0.00 | $803.59 |  | N/A | XXXX | 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 | 1.588 | 1.588 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11167.46 | 13.9 | 11167.46 | 13.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9448073 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $604.78 | Yes | 18.000% | $1587.36 | $132.28 | $1089.00 | $90.75 | $0.00 | $0.00 | $0.00 | $827.81 |  | N/A | XXXX | 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 | 1.51 | 1.51 | 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 |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | HI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 989.04 | 1.2 | 18836.01 | 22.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9448089 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.990% | 7.990% | $2873.62 | Yes | 18.000% | $936.12 | $78.01 | $1620.24 | $135.02 | $0.00 | $0.00 | $0.00 | $3086.65 |  | N/A | XXXX | 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 | 1.008 | 1.008 | 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 |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 264966.26 | 85.8 | 264966.26 | 85.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9389292 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/04/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.167% |  | 7.750% | 7.750% | $2372.11 | No |  | $4846.32 | $403.86 | $3651.00 | $304.25 | $0.00 | $0.00 | $0.00 | $3080.22 | $4887.35 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.53% | 44.46% | 44.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22307.87 | 7.2 | 22307.87 | 7.2 | No | 84.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9389108 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/02/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 9.033% |  | 8.625% | 8.625% | $1586.69 | No |  | $3000.00 | $250.00 | $1856.04 | $154.67 | $0.00 | $0.00 | $122.27 | $2113.63 | $4384.34 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.95% | 44.42% | 44.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16520.89 | 7.8 | 16520.89 | 7.8 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9389300 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/03/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 7.700% |  | 7.499% | 7.499% | $4350.09 | No |  | $5568.96 | $464.08 | $0.00 | $0.00 | $2544.00 | $212.00 | $0.00 | $5026.17 | $30825.60 | N/A | XXXX | XXXX | $212.00 | XXXX | Monthly | 36.41% | 36.36% | 36.36% | 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 | 85.33% | 0.00% | 59.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 115 | 31 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - SESCorp - Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | UT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 161454.40 | 32.1 | 161454.40 | 32.1 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9389238 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.425% |  | 8.250% | 8.250% | $7430.02 | No |  | $13736.04 | $1144.67 | $2486.04 | $207.17 | $900.00 | $75.00 | $0.00 | $8856.86 | $22542.41 | N/A | XXXX | XXXX | $75.00 | XXXX | Monthly | 32.96% | 32.96% | 32.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 244005.05 | 27.5 | 211039.05 | 23.8 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9389104 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/29/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.438% |  | 8.125% | 8.125% | $2038.15 | No |  | $5778.24 | $481.52 | $2814.00 | $234.50 | $0.00 | $0.00 | $0.00 | $2754.17 | $5667.31 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 46.24% | 46.24% | 46.24% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 82.76% | 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 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SSI and Disability - Executed 4506T Verified, Award Letter Verified - 2025 - 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53035.65 | 19.3 | 53035.65 | 19.3 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9389113 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.095% |  | 7.750% | 7.750% | $1934.31 | No |  | $6894.96 | $574.58 | $2888.04 | $240.67 | $549.96 | $45.83 | $0.00 | $2795.39 | $6157.35 | N/A | XXXX | XXXX | $45.83 | XXXX | Annually | 35.85% | 35.85% | 35.85% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 YR W2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 68.38% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 1 | FNMA 1005 | No | 0 |  | Yes | Borrower - SESoleProprietor - IRS Transcripts Verified, Personal Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16241.95 | 5.8 | 16241.95 | 5.8 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9389291 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/16/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.917% |  | 7.499% | 7.499% | $2201.68 | No |  | $3027.96 | $252.33 | $1374.96 | $114.58 | $0.00 | $0.00 | $0.00 | $2568.59 | $4638.22 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 35.86% | 35.86% | 35.86% | 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 | 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 - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39797.49 | 15.5 | 39797.49 | 15.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9389240 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/27/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.334% |  | 7.999% | 7.999% | $2775.20 | No |  | $2452.44 | $204.37 | $2750.64 | $229.22 | $0.00 | $0.00 | $0.00 | $3208.79 | $6625.24 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.15% | 40.15% | 40.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 336 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | CO | United States of America (USA) | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70694.69 | 22 | 70694.69 | 22 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9389289 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.556% |  | 7.125% | 7.125% | $4524.02 | No |  | $13824.96 | $1152.08 | $600.00 | $50.00 | $3264.00 | $272.00 | $0.00 | $5998.10 | $11648.88 | N/A | XXXX | XXXX | $272.00 | XXXX | Monthly | 44.93% | 44.93% | 44.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51972.95 | 8.7 | 51972.95 | 8.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9694936 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/02/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.252% |  | 6.875% | 6.875% | $2736.11 | No |  | $7114.44 | $592.87 | $450.96 | $37.58 | $5820.00 | $485.00 | $0.00 | $3851.56 | $13813.80 | Yes | XXXX | XXXX | $485.00 | XXXX | Monthly | 39.74% | 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% | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | CT | United States of America (USA) | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 63016.87 | 16.4 | 63016.87 | 16.4 | No | 85 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732609 | 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% | $3783.91 | No |  | $6693.60 | $557.80 | $8879.88 | $739.99 | $0.00 | $0.00 | $0.00 | $5081.70 |  | N/A | XXXX | 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 | 1.043 | 1.043 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 46808.69 | 9.2 | 46808.69 | 9.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732664 | 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% | $1889.58 | No |  | $6802.92 | $566.91 | $657.96 | $54.83 | $2820.00 | $235.00 | $0.00 | $2746.32 |  | N/A | XXXX | XXXX | $235.00 | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.092 | 1.092 |  | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49440.50 | 18 | 49440.50 | 18 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732602 | 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% | $1229.58 | No |  | $5370.00 | $447.50 | $2085.24 | $173.77 | $0.00 | $0.00 | $0.00 | $1850.85 |  | N/A | XXXX | 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 | 1.135 | 1.135 | 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 |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | TX | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15808.40 | 8.5 | 15808.40 | 8.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9389308 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/14/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.697% |  | 7.125% | 7.125% | $1385.84 | No |  | $4681.08 | $390.09 | $673.08 | $56.09 | $4524.00 | $377.00 | $0.00 | $2209.02 | $6855.98 | Yes | XXXX | XXXX | $377.00 | XXXX | Monthly | 33.04% | 33.05% | 33.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24880.04 | 11.3 | 24880.04 | 11.3 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732660 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $2200.00 | 7.375% | 7.375% | $1519.49 | No |  | $917.64 | $76.47 | $471.00 | $39.25 | $3072.00 | $256.00 | $0.00 | $1891.21 |  | Yes | XXXX | XXXX | $256.00 | 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% |  |  | Stocks/Bonds,Crypto Currency |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.055 | 1.055 | 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 |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28971.21 | 15.3 | 78723.67 | 41.6 | No | 80 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732661 | 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% | $2000.20 | No |  | $7545.72 | $628.81 | $3066.00 | $255.50 | $9000.00 | $750.00 | $0.00 | $3634.51 |  | N/A | XXXX | XXXX | $750.00 | 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% |  |  | Stocks/Bonds,Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.223 | 1.223 |  | 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 |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 159151.57 | 43.8 | 159151.57 | 43.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732582 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.212% |  | 7.875% | 7.875% | $4111.14 | No |  | $9899.64 | $824.97 | $4772.40 | $397.70 | $0.00 | $0.00 | $0.00 | $5333.81 | $21995.19 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 27.53% | 27.53% | 27.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 117604.61 | 22.1 | 117604.61 | 22.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732615 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.125% | 7.125% | $1282.50 | No |  | $5457.96 | $454.83 | $1872.96 | $156.08 | $0.00 | $0.00 | $0.00 | $1893.41 |  | N/A | XXXX | 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% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.056 | 1.056 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null 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 |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18160.97 | 9.6 | 18160.97 | 9.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732583 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/03/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.947% |  | 7.750% | 7.750% | $5663.24 | No |  | $3513.72 | $292.81 | $2805.96 | $233.83 | $845.04 | $70.42 | $0.00 | $6260.30 | $61331.33 | N/A | XXXX | XXXX | $70.42 | XXXX | Annually | 19.15% | 19.15% | 19.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 211731.01 | 33.8 | 152293.01 | 24.3 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732596 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/03/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.034% |  | 7.875% | 7.875% | $4939.90 | No |  | $1121.16 | $93.43 | $1110.00 | $92.50 | $0.00 | $0.00 | $0.00 | $5125.83 | $9138.90 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.40% | 39.40% | 39.40% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NM | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Driving License | NM | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 48576.03 | 9.5 | 48576.03 | 9.5 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9694978 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.999% | 7.999% | $2868.75 | No |  | $2741.04 | $228.42 | $3096.96 | $258.08 | $0.00 | $0.00 | $0.00 | $3355.25 | $22878.93 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 34.13% | 34.13% | 34.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 369340.34 | 110.1 | 369340.34 | 110.1 | No | 85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9694997 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.423% |  | 6.999% | 6.999% | $3534.06 | No |  | $7812.48 | $651.04 | $1829.04 | $152.42 | $0.00 | $0.00 | $0.00 | $4337.52 | $6068.48 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.28% | 44.28% | 44.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 194165.37 | 44.8 | 75517.98 | 17.4 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732589 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 08/18/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 7.924% |  | 7.875% | 7.875% | $10920.30 | No |  | $16982.04 | $1415.17 | $8118.96 | $676.58 | $0.00 | $0.00 | $0.00 | $13012.05 | $20064.55 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 46.38% | 46.38% | 46.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 171426.41 | 13.2 | 171426.41 | 13.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9695037 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/10/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.217% |  | 7.875% | 7.875% | $3228.84 | No |  | $2379.12 | $198.26 | $1344.96 | $112.08 | $756.00 | $63.00 | $0.00 | $3602.18 | $6279.36 | N/A | XXXX | XXXX | $63.00 | XXXX | Monthly | 41.07% | 41.06% | 41.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | UT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27705.87 | 7.7 | 27705.87 | 7.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9694959 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/03/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.954% |  | 7.499% | 7.499% | $3460.77 | No |  | $6897.48 | $574.79 | $2077.56 | $173.13 | $0.00 | $0.00 | $0.00 | $4208.69 | $13961.81 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 24.06% | 24.00% | 24.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 3 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13932.36 | 3.3 | 13932.36 | 3.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732561 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15206.25 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.703% |  | 7.375% | 7.375% | $3807.35 | No |  | $8369.76 | $697.48 | $1964.28 | $163.69 | $1766.04 | $147.17 | $0.00 | $4815.69 | $16527.05 | N/A | XXXX | XXXX | $147.17 | XXXX | Annually | 37.85% | 37.85% | 37.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | 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) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 30186.01 | 6.3 | 30186.01 | 6.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732658 | 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% | $10487.83 | No |  | $31425.24 | $2618.77 | $4472.16 | $372.68 | $0.00 | $0.00 | $0.00 | $13479.28 |  | N/A | XXXX | 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 | 1.039 | 1.039 | 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 |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 75395.23 | 5.6 | 80721.97 | 6 | No | 67.38 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX |  | 9695116 | 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% | $2038.87 | No |  | $3822.72 | $318.56 | $678.96 | $56.58 | $900.00 | $75.00 | $0.00 | $2489.01 | $32050.59 | N/A | XXXX | XXXX | $75.00 | XXXX | Annually | 15.14% | 15.14% | 15.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 104762.87 | 42.1 | 104762.87 | 42.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9694923 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 7.210% |  | 7.125% | 7.125% | $15630.27 | No |  | $48750.12 | $4062.51 | $22906.20 | $1908.85 | $0.00 | $0.00 | $0.00 | $21601.63 | $111004.79 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 17.80% | 17.80% | 17.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 478758.67 | 22.2 | 478758.67 | 22.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9695012 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/06/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 6.917% |  | 6.625% | 6.625% | $4789.53 | No |  | $4484.64 | $373.72 | $6158.28 | $513.19 | $0.00 | $0.00 | $0.00 | $5676.44 | $22123.94 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 22.01% | 21.98% | 21.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 529217.47 | 93.2 | 529217.47 | 93.2 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732630 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $1657.62 | No |  | $5064.00 | $422.00 | $815.04 | $67.92 | $0.00 | $0.00 | $0.00 | $2147.54 |  | N/A | XXXX | 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 | 1.071 | 1.071 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 50739.79 | 23.6 | 50739.79 | 23.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9695032 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.967% |  | 7.625% | 7.625% | $4501.57 | No |  | $4910.40 | $409.20 | $1442.04 | $120.17 | $720.00 | $60.00 | $0.00 | $5090.94 | $43191.06 | Yes | XXXX | XXXX | $60.00 | XXXX | Annually | 16.78% | 16.78% | 16.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Passport |  | N/A | Brazil | XXXX | Brazil | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41767.84 | 8.2 | 41767.84 | 8.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732585 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1865.50 | No |  | $5821.20 | $485.10 | $1515.60 | $126.30 | $0.00 | $0.00 | $0.00 | $2476.90 |  | N/A | XXXX | 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 | 1.09 | 1.09 | 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 | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 127168.44 | 51.3 | 127168.44 | 51.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856920 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.890% | 6.890% | $855.31 | Yes | 23.000% | $2502.00 | $208.50 | $1088.04 | $90.67 | $0.00 | $0.00 | $0.00 | $1154.48 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 2.252 | 2.252 | 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 |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 73694.04 | 63.8 | 73694.04 | 63.8 | No | 70.27 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856921 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.920% | 6.920% | $673.47 | Yes | 23.000% | $1711.92 | $142.66 | $1467.36 | $122.28 | $0.00 | $0.00 | $0.00 | $938.41 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.471 | 1.471 | 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 |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 | Missing |  |  | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  | Permanent Non-US Citizen | N/A | I-551 Permanent Resident Card |  |  | United States of America (USA) | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22276.10 | 23.7 | 54000.32 | 57.5 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856922 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.870% | 6.870% | $907.74 | Yes | 23.000% | $1251.00 | $104.25 | $938.04 | $78.17 | $0.00 | $0.00 | $0.00 | $1090.16 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.101 | 1.083 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16528.62 | 15.2 | 16528.62 | 15.2 | No | 79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856923 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.540% | 6.540% | $875.89 | Yes | 23.000% | $2565.36 | $213.78 | $1674.24 | $139.52 | $0.00 | $0.00 | $0.00 | $1229.19 |  | N/A | XXXX | 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 | 1.953 | 1.968 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 507003.40 | 412.5 | 516019.20 | 419.8 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856924 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.540% | 6.540% | $875.89 | Yes | 23.000% | $1649.28 | $137.44 | $735.84 | $61.32 | $0.00 | $0.00 | $0.00 | $1074.65 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 2.233 | 2.28 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 507003.39 | 471.8 | 518050.14 | 482.1 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856925 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.540% | 6.540% | $704.52 | Yes | 23.000% | $2023.20 | $168.60 | $2010.00 | $167.50 | $0.00 | $0.00 | $0.00 | $1040.62 |  | N/A | XXXX | 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 | 1.922 | 1.896 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 507003.39 | 487.2 | 514560.41 | 494.5 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856926 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.540% | 6.540% | $704.52 | Yes | 23.000% | $2429.16 | $202.43 | $735.84 | $61.32 | $0.00 | $0.00 | $0.00 | $968.27 |  | N/A | XXXX | 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 | 2.066 | 2.135 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 507003.39 | 523.6 | 518052.83 | 535 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856927 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.550% | 7.550% | $2967.96 | Yes | 24.000% | $6402.36 | $533.53 | $2179.56 | $181.63 | $0.00 | $0.00 | $0.00 | $3683.12 |  | N/A | XXXX | 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 | 1.276 | 1.276 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 260495.79 | 70.7 | 260495.79 | 70.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856931 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.230% | 7.230% | $587.21 | Yes | 23.000% | $1612.32 | $134.36 | $1538.64 | $128.22 | $0.00 | $0.00 | $0.00 | $849.79 |  | N/A | XXXX | 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 | 1.53 | 1.53 | 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 | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 36336.86 | 42.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856932 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.200% | 6.200% | $2131.39 | Yes | 24.000% | $16622.88 | $1385.24 | $2145.00 | $178.75 | $0.00 | $0.00 | $0.00 | $3695.38 |  | N/A | XXXX | 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 | 1.082 | 1.082 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22330.50 | 6 | 23156.94 | 6.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856936 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.180% | 7.180% | $806.15 | Yes | 23.000% | $644.04 | $53.67 | $2334.00 | $194.50 | $0.00 | $0.00 | $0.00 | $1054.32 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.328 | 1.328 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 191771.64 | 181.9 | 206274.65 | 195.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856938 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.890% | 7.890% | $2071.13 | Yes | 24.000% | $8732.64 | $727.72 | $11721.00 | $976.75 | $0.00 | $0.00 | $0.00 | $3775.60 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown | Unknown |  |  |  |  |  |  | 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 | 1.311 | 1.271 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | United States | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44873.50 | 11.9 | 73149.92 | 19.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856939 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.460% | 7.460% | $543.25 | Yes | 23.000% | $845.52 | $70.46 | $5218.56 | $434.88 | $0.00 | $0.00 | $0.00 | $1048.59 |  | N/A | XXXX | 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 | 1.879 | 1.879 | 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 | WV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34695.68 | 33.1 | 34695.68 | 33.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856940 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $1004.38 | Yes | 23.000% | $1335.36 | $111.28 | $1494.00 | $124.50 | $0.00 | $0.00 | $0.00 | $1240.16 |  | N/A | XXXX | 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 | 1.693 | 1.673 | 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 |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72741.23 | 58.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856941 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $1069.80 | Yes | 24.000% | $6647.52 | $553.96 | $2165.40 | $180.45 | $0.00 | $0.00 | $0.00 | $1804.21 |  | N/A | XXXX | 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 | 2.66 | 2.661 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24.44 | 0 | 11483.26 | 6.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856942 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $994.59 | Yes | 23.000% | $1179.84 | $98.32 | $1402.68 | $116.89 | $0.00 | $0.00 | $0.00 | $1209.80 |  | N/A | XXXX | 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 | 1.488 | 1.488 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68770.73 | 56.8 | 138742.39 | 114.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856943 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.060% | 7.060% | $1445.77 | Yes | 45.000% | $8757.96 | $729.83 | $5580.00 | $465.00 | $0.00 | $0.00 | $0.00 | $2640.60 |  | N/A | XXXX | 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 | 1.254 | 1.25 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20431.40 | 7.7 | 36717.89 | 13.9 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856944 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.550% | 7.550% | $848.79 | Yes | 23.000% | $1186.92 | $98.91 | $863.04 | $71.92 | $0.00 | $0.00 | $0.00 | $1019.62 |  | N/A | XXXX | 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 | 1.471 | 1.537 | 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 | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | KY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | KY | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 76883.55 | 75.4 | 79758.99 | 78.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856945 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $707.83 | Yes | 24.000% | $885.96 | $73.83 | $1389.84 | $115.82 | $0.00 | $0.00 | $0.00 | $897.48 |  | N/A | XXXX | 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 | 3.343 | 3.343 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2938.43 | 3.3 | 48788.38 | 54.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856946 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.900% | 7.900% | $966.65 | Yes | 23.000% | $2234.04 | $186.17 | $1140.00 | $95.00 | $0.00 | $0.00 | $0.00 | $1247.82 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.122 | 1.122 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | PA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 204.54 | 0.2 | 48553.40 | 38.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856947 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.890% | 6.890% | $4317.67 | Yes | 45.000% | $6081.00 | $506.75 | $4558.20 | $379.85 | $0.00 | $0.00 | $0.00 | $5204.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.273 | 1.273 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NY | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19.88 | 0 | 76550.95 | 14.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856948 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.690% | 6.690% | $1489.06 | Yes | 23.000% | $4110.96 | $342.58 | $2841.48 | $236.79 | $0.00 | $0.00 | $0.00 | $2068.43 |  | N/A | XXXX | 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 | 1.112 | 1.112 | 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 |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 225986.71 | 109.3 | 225986.71 | 109.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856949 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.860% | 7.860% | $1004.59 | Yes | 23.000% | $1737.36 | $144.78 | $1375.32 | $114.61 | $0.00 | $0.00 | $0.00 | $1263.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.416 | 1.416 | 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 |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 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 |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4391.59 | 3.5 | 29765.73 | 23.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856952 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.450% | 7.450% | $1642.07 | Yes | 23.000% | $1661.04 | $138.42 | $2807.28 | $233.94 | $0.00 | $0.00 | $0.00 | $2014.43 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.241 | 1.241 | 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 | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20407.83 | 10.1 | 20407.83 | 10.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856954 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $3553.40 | Yes | 20.000% | $6418.92 | $534.91 | $4395.96 | $366.33 | $0.00 | $0.00 | $0.00 | $4454.64 |  | N/A | XXXX | 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 | 1.369 | 1.369 | 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 |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34679.15 | 7.8 | 34679.15 | 7.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856955 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $2617.20 | Yes | 23.000% | $3055.32 | $254.61 | $2952.36 | $246.03 | $0.00 | $0.00 | $0.00 | $3117.84 |  | N/A | XXXX | 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 | 1.123 | 1.123 | 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 |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10574.89 | 3.4 | 46906.17 | 15 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856956 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.620% | 6.620% | $1345.49 | Yes | 23.000% | $1612.08 | $134.34 | $2316.96 | $193.08 | $575.04 | $47.92 | $0.00 | $1720.83 |  | N/A | XXXX | XXXX | $47.92 | 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 | 1.162 | 1.052 | 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 |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40555.91 | 23.6 | 43709.51 | 25.4 | No | 73 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856957 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.100% | 7.100% | $1717.04 | Yes | 23.000% | $7351.68 | $612.64 | $1755.96 | $146.33 | $0.00 | $0.00 | $0.00 | $2476.01 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.212 | 1.212 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10639.26 | 4.3 | 14892.17 | 6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856958 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.690% | 6.690% | $1885.50 | Yes | 23.000% | $9982.20 | $831.85 | $2143.44 | $178.62 | $0.00 | $0.00 | $0.00 | $2895.97 |  | N/A | XXXX | 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 | 1.209 | 1.223 | 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 |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 135481.46 | 46.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856959 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $3322.16 | Yes | 24.000% | $10795.92 | $899.66 | $3909.12 | $325.76 | $0.00 | $0.00 | $0.00 | $4547.58 |  | N/A | XXXX | 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 | 1.045 | 1.044 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .01 | 0 | 228813.79 | 50.3 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856960 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.680% | 6.680% | $482.96 | Yes | 24.000% | $1456.68 | $121.39 | $1369.92 | $114.16 | $0.00 | $0.00 | $0.00 | $718.51 |  | N/A | XXXX | 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 | 2.227 | 2.329 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 56908.63 | 79.2 | 58969.75 | 82.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856961 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.270% | 7.270% | $563.92 | Yes | 23.000% | $700.80 | $58.40 | $1011.00 | $84.25 | $0.00 | $0.00 | $0.00 | $706.57 |  | N/A | XXXX | 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 | 2.024 | 2.024 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 131803.45 | 186.5 | 131803.45 | 186.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856962 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.570% | 7.570% | $596.65 | Yes | 23.000% | $576.72 | $48.06 | $2573.04 | $214.42 | $0.00 | $0.00 | $0.00 | $859.13 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.454 | 1.454 | No | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  | United States | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 36930.16 | 43 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856963 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.060% | 7.060% | $1506.01 | Yes | 23.000% | $3893.76 | $324.48 | $2012.04 | $167.67 | $0.00 | $0.00 | $0.00 | $1998.16 |  | N/A | XXXX | 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 | 1.501 | 1.418 | 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 | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | DE | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 19548.95 | 9.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856964 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.100% | 7.100% | $504.02 | Yes | 23.000% | $1600.44 | $133.37 | $558.00 | $46.50 | $1548.00 | $129.00 | $0.00 | $812.89 |  | Yes | XXXX | XXXX | $129.00 | 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 | 1.722 | 1.722 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 133786.29 | 164.6 | 149633.16 | 184.1 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856965 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.390% | 7.390% | $1245.06 | Yes | 24.000% | $3151.56 | $262.63 | $1905.72 | $158.81 | $0.00 | $0.00 | $0.00 | $1666.50 |  | N/A | XXXX | 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 | 2.1 | 2.067 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 534079.18 | 320.5 | 538964.88 | 323.4 | No | 57.14 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856966 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.450% | 7.450% | $1095.88 | Yes | 23.000% | $6289.56 | $524.13 | $1395.36 | $116.28 | $0.00 | $0.00 | $0.00 | $1736.29 |  | N/A | XXXX | 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 | 1.209 | 1.217 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 14863.10 | 8.6 | 14863.10 | 8.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856967 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.350% | 7.350% | $904.28 | Yes | 23.000% | $2687.64 | $223.97 | $1013.40 | $84.45 | $0.00 | $0.00 | $0.00 | $1212.70 |  | N/A | XXXX | 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 | 1.567 | 1.567 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24759.81 | 20.4 | 28397.91 | 23.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856968 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.670% | 6.670% | $2219.35 | Yes | 24.000% | $10828.56 | $902.38 | $2694.36 | $224.53 | $0.00 | $0.00 | $0.00 | $3346.26 |  | N/A | XXXX | 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 | 1.39 | 1.39 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20060.77 | 6 | 20060.77 | 6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856969 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.760% | 6.760% | $1023.24 | Yes | 45.000% | $3472.68 | $289.39 | $4695.00 | $391.25 | $0.00 | $0.00 | $0.00 | $1703.88 |  | N/A | XXXX | 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 | 1.321 | 1.321 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3908.67 | 2.3 | 9020.31 | 5.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856970 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.210% | 6.210% | $588.59 | Yes | 23.000% | $2587.56 | $215.63 | $669.00 | $55.75 | $5552.52 | $462.71 | $0.00 | $1322.68 |  | Yes | XXXX | XXXX | $462.71 | 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 | 1.225 | 1.225 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 393356.11 | 297.4 | 393356.11 | 297.4 | No | 60 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856972 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.610% | 6.610% | $963.96 | Yes | 45.000% | $5536.20 | $461.35 | $900.00 | $75.00 | $0.00 | $0.00 | $0.00 | $1500.31 |  | N/A | XXXX | 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 | 1.03 | 1.03 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 74603.56 | 49.7 | 155816.07 | 103.9 | No | 30.02 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856973 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.820% | 6.820% | $757.78 | Yes | 23.000% | $2636.88 | $219.74 | $800.04 | $66.67 | $0.00 | $0.00 | $0.00 | $1044.19 |  | N/A | XXXX | 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 | 1.197 | 1.197 | 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 |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 66764.63 | 63.9 | 66764.63 | 63.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856974 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $532.35 | Yes | 24.000% | $2004.00 | $167.00 | $2476.32 | $206.36 | $0.00 | $0.00 | $0.00 | $905.71 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 3.809 | 3.782 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11746.66 | 13 | 11746.66 | 13 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856975 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.200% | 7.200% | $1876.85 | Yes | 45.000% | $5102.52 | $425.21 | $3147.96 | $262.33 | $0.00 | $0.00 | $0.00 | $2564.39 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.053 | 1.053 | 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 | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | CT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2261.05 | 0.9 | 41056.74 | 16 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856976 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.960% | 6.960% | $1033.68 | Yes | 23.000% | $4619.04 | $384.92 | $2071.20 | $172.60 | $0.00 | $0.00 | $0.00 | $1591.20 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.489 | 1.482 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43918.17 | 27.6 | 88541.33 | 55.6 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856977 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.960% | 6.960% | $1033.68 | Yes | 23.000% | $4619.04 | $384.92 | $2071.20 | $172.60 | $0.00 | $0.00 | $0.00 | $1591.20 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.513 | 1.513 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43918.16 | 27.6 | 62873.77 | 39.5 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856978 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.610% | 6.610% | $1693.81 | Yes | 45.000% | $6155.40 | $512.95 | $450.00 | $37.50 | $0.00 | $0.00 | $0.00 | $2244.26 |  | N/A | XXXX | 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 | 1.069 | 1.069 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 390662.27 | 174.1 | 390662.27 | 174.1 | No | 76.88 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856979 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $902.57 | Yes | 23.000% | $2061.84 | $171.82 | $3339.36 | $278.28 | $0.00 | $0.00 | $0.00 | $1352.67 |  | N/A | XXXX | 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 | 1.294 | 1.297 |  | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 26039.82 | 19.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856980 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $558.29 | Yes | 23.000% | $1330.32 | $110.86 | $2966.16 | $247.18 | $0.00 | $0.00 | $0.00 | $916.33 |  | N/A | XXXX | 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 | 1.528 | 1.476 |  | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23757.68 | 25.9 | 25520.73 | 27.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856981 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $1466.91 | Yes | 23.000% | $5917.20 | $493.10 | $3807.96 | $317.33 | $0.00 | $0.00 | $0.00 | $2277.34 |  | N/A | XXXX | 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 | 1.428 | 1.427 |  | 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 |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 94969.71 | 41.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856982 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.000% | 7.000% | $582.14 | Yes | 23.000% | $1283.16 | $106.93 | $2366.76 | $197.23 | $0.00 | $0.00 | $0.00 | $886.30 |  | N/A | XXXX | 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 | 1.354 | 1.354 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23757.68 | 26.8 | 27317.47 | 30.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856983 | 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% | $542.33 | Yes | 23.000% | $1775.28 | $147.94 | $1952.28 | $162.69 | $0.00 | $0.00 | $0.00 | $852.96 |  | N/A | XXXX | 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 | 1.29 | 1.396 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23757.68 | 27.9 | 23757.68 | 27.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856984 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.070% | 7.070% | $1098.82 | Yes | 23.000% | $1240.92 | $103.41 | $1148.04 | $95.67 | $0.00 | $0.00 | $0.00 | $1297.90 |  | N/A | XXXX | 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 | 1.676 | 1.676 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 38329.44 | 29.5 | 38329.44 | 29.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856985 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $799.48 | Yes | 45.000% | $2808.00 | $234.00 | $2584.92 | $215.41 | $2784.00 | $232.00 | $0.00 | $1480.89 |  | Yes | XXXX | XXXX | $232.00 | 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 | 1.148 | 1.148 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1239925.81 | 837.3 | 1243672.48 | 839.8 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856986 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.870% | 6.870% | $1391.98 | Yes | 23.000% | $10128.84 | $844.07 | $1304.04 | $108.67 | $0.00 | $0.00 | $0.00 | $2344.72 |  | N/A | XXXX | 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 | 1.237 | 1.279 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58787.54 | 25.1 | 58787.54 | 25.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856987 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.030% | 7.030% | $1121.10 | Yes | 23.000% | $2953.80 | $246.15 | $2646.84 | $220.57 | $0.00 | $0.00 | $0.00 | $1587.82 |  | N/A | XXXX | 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 | 1.532 | 1.532 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 360072.27 | 226.8 | 437034.17 | 275.2 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856988 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $1282.49 | Yes | 23.000% | $5604.96 | $467.08 | $2655.84 | $221.32 | $0.00 | $0.00 | $0.00 | $1970.89 |  | N/A | XXXX | 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 | 1.674 | 1.674 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49336.98 | 25 | 89288.14 | 45.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856989 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.180% | 7.180% | $604.61 | Yes | 23.000% | $1655.16 | $137.93 | $1159.68 | $96.64 | $350.04 | $29.17 | $0.00 | $868.35 |  | Yes | XXXX | XXXX | $29.17 | XXXX | Annually | 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 | 1.497 | 1.497 | 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 | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40613.48 | 46.8 | 80067.77 | 92.2 | No | 82.64 | Yes | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856990 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.670% | 6.670% | $916.69 | Yes | 23.000% | $1892.28 | $157.69 | $1197.00 | $99.75 | $0.00 | $0.00 | $0.00 | $1174.13 |  | N/A | XXXX | 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 | 1.065 | 1.065 | 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 | AR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 65126.40 | 55.5 | No | 74.22 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856991 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.540% | 7.540% | $1026.61 | Yes | 23.000% | $725.16 | $60.43 | $1215.36 | $101.28 | $0.00 | $0.00 | $0.00 | $1188.32 |  | N/A | XXXX | 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 | 1.094 | 1.094 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 22090.87 | 18.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856992 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.050% | 7.050% | $1116.25 | Yes | 23.000% | $359.04 | $29.92 | $4803.60 | $400.30 | $0.00 | $0.00 | $0.00 | $1546.47 |  | N/A | XXXX | 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 | 1.164 | 1.058 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 175220.22 | 113.3 | 180323.88 | 116.6 | No | 38.85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856993 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.680% | 6.680% | $1926.70 | Yes | 23.000% | $2612.04 | $217.67 | $1962.72 | $163.56 | $0.00 | $0.00 | $0.00 | $2307.93 |  | N/A | XXXX | 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 | 1.127 | 1.127 | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 145719.50 | 63.1 | 152643.29 | 66.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856995 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.720% | 6.720% | $1435.46 | Yes | 23.000% | $2544.36 | $212.03 | $2140.08 | $178.34 | $0.00 | $0.00 | $0.00 | $1825.83 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.041 | 1.041 | 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 | NE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NE | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 93399.75 | 51.2 | 93885.41 | 51.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856997 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.280% | 7.280% | $1094.74 | Yes | 23.000% | $1550.16 | $129.18 | $1061.40 | $88.45 | $0.00 | $0.00 | $0.00 | $1312.37 |  | N/A | XXXX | 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 | 1.067 | 1.067 | 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 | NE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NE | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67235.80 | 51.2 | 67235.80 | 51.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856998 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.570% | 6.570% | $1153.05 | Yes | 23.000% | $2501.16 | $208.43 | $3092.28 | $257.69 | $0.00 | $0.00 | $0.00 | $1619.17 |  | N/A | XXXX | 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 | 1.173 | 1.173 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 40529.80 | 25 | 40529.80 | 25 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856999 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.450% | $671.23 | Yes | 23.000% | $768.72 | $64.06 | $1068.96 | $89.08 | $0.00 | $0.00 | $0.00 | $824.37 |  | N/A | XXXX | 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 | 1.213 | 1.216 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 119044.36 | 144.4 | 119044.36 | 144.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857000 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.610% | 7.610% | $713.83 | Yes | 23.000% | $3546.12 | $295.51 | $1576.56 | $131.38 | $0.00 | $0.00 | $0.00 | $1140.72 |  | N/A | XXXX | 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 | 2.104 | 2.104 | 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 | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1997.79 | 1.8 | 45438.00 | 39.8 | No | 32.06 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857001 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.170% | 7.170% | $1140.34 | Yes | 23.000% | $8828.16 | $735.68 | $2628.84 | $219.07 | $0.00 | $0.00 | $0.00 | $2095.09 |  | N/A | XXXX | 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 | 1.05 | 1.05 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41480.41 | 19.8 | 113464.73 | 54.2 | No | 48.14 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857002 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.610% | 5.610% | $3444.81 | Yes | 24.000% | $14118.84 | $1176.57 | $2921.04 | $243.42 | $0.00 | $0.00 | $0.00 | $4864.80 |  | N/A | XXXX | 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% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.048 | 1.048 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2324117.50 | 477.7 | 2338711.90 | 480.7 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857003 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.400% | 6.400% | $1094.64 | Yes | 23.000% | $5483.88 | $456.99 | $1026.96 | $85.58 | $0.00 | $0.00 | $0.00 | $1637.21 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.099 | 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 | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 380441.00 | 232.4 | 380441.00 | 232.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857004 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.760% | 6.760% | $1826.05 | Yes | 23.000% | $2797.68 | $233.14 | $2307.96 | $192.33 | $0.00 | $0.00 | $0.00 | $2251.52 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.066 | 1.066 | 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 | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28396.78 | 12.6 | 158794.70 | 70.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857005 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.770% | 6.770% | $1803.55 | Yes | 23.000% | $1167.84 | $97.32 | $3097.68 | $258.14 | $0.00 | $0.00 | $0.00 | $2159.01 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.158 | 1.158 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 46771.69 | 21.7 | 70302.16 | 32.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857006 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.160% | 7.160% | $1521.19 | Yes | 23.000% | $2798.76 | $233.23 | $1609.92 | $134.16 | $0.00 | $0.00 | $0.00 | $1888.58 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.165 | 1.165 | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 194806.58 | 103.1 | 201395.14 | 106.6 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857007 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.150% | 6.150% | $2101.84 | Yes | 23.000% | $7842.96 | $653.58 | $2320.08 | $193.34 | $0.00 | $0.00 | $0.00 | $2948.76 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.119 | 1.119 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9351.98 | 3.2 | 23981.32 | 8.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857008 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1799.99 | Yes | 23.000% | $4308.12 | $359.01 | $1461.96 | $121.83 | $0.00 | $0.00 | $0.00 | $2280.83 |  | N/A | XXXX | 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 | 1.162 | 1.162 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NY | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25779.22 | 11.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857010 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.580% | 7.580% | $704.70 | Yes | 23.000% | $656.16 | $54.68 | $1278.72 | $106.56 | $0.00 | $0.00 | $0.00 | $865.94 |  | N/A | XXXX | 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 | 1.501 | 1.501 | 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 | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5251.96 | 6.1 | 5251.96 | 6.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857011 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.810% | 6.810% | $1320.19 | Yes | 23.000% | $2756.04 | $229.67 | $2815.56 | $234.63 | $0.00 | $0.00 | $0.00 | $1784.49 |  | N/A | XXXX | 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 | 1.149 | 1.148 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 176029.45 | 98.6 | No | 68.34 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857012 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.530% | 7.530% | $894.12 | Yes | 23.000% | $1157.76 | $96.48 | $1156.32 | $96.36 | $0.00 | $0.00 | $0.00 | $1086.96 |  | N/A | XXXX | 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 | 1.242 | 1.242 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 14332.82 | 13.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857013 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.300% | 7.300% | $1371.14 | Yes | 23.000% | $9984.60 | $832.05 | $1407.96 | $117.33 | $0.00 | $0.00 | $0.00 | $2320.52 |  | N/A | XXXX | 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 | 1.185 | 1.185 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23377.67 | 10.1 | 23377.67 | 10.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857017 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.830% | 6.830% | $1275.15 | Yes | 23.000% | $5084.40 | $423.70 | $1332.96 | $111.08 | $0.00 | $0.00 | $0.00 | $1809.93 |  | N/A | XXXX | 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 | 1.602 | 1.602 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45144.84 | 24.9 | 54778.93 | 30.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857018 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.570% | 6.570% | $993.22 | Yes | 23.000% | $1894.20 | $157.85 | $1076.04 | $89.67 | $0.00 | $0.00 | $0.00 | $1240.74 |  | N/A | XXXX | 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 | 1.273 | 1.275 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | VA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31624.60 | 25.5 | 31624.60 | 25.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857020 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.870% | 6.870% | $1116.87 | Yes | 45.000% | $4545.84 | $378.82 | $1514.04 | $126.17 | $0.00 | $0.00 | $0.00 | $1621.86 |  | N/A | XXXX | 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 | 1.372 | 1.372 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70269.87 | 43.3 | 70269.87 | 43.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857021 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.690% | 7.390% | $1423.97 | Yes | 23.000% | $3114.72 | $259.56 | $1689.84 | $140.82 | $0.00 | $0.00 | $0.00 | $1824.35 |  | N/A | XXXX | 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 | 1.179 | 1.126 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | PA | United States of America (USA) | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13793.11 | 7.6 | 13793.11 | 7.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857022 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.890% | 5.890% | $1313.27 | Yes | 24.000% | $7257.12 | $604.76 | $1410.00 | $117.50 | $0.00 | $0.00 | $0.00 | $2035.53 |  | N/A | XXXX | 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 | 1.228 | 1.228 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30879.61 | 15.2 | 69223.67 | 34 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857023 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.930% | 6.930% | $2034.67 | Yes | 23.000% | $2081.28 | $173.44 | $2256.96 | $188.08 | $0.00 | $0.00 | $0.00 | $2396.19 |  | N/A | XXXX | 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 | 1.419 | 1.419 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 35747.66 | 14.9 | 35747.66 | 14.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857024 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.600% | 7.600% | $2973.99 | Yes | 24.000% | $2595.60 | $216.30 | $3733.80 | $311.15 | $0.00 | $0.00 | $0.00 | $3501.44 |  | N/A | XXXX | 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 | 1.385 | 1.385 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 242826.15 | 69.4 | 253330.56 | 72.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857025 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.600% | 7.600% | $550.74 | Yes | 23.000% | $2168.52 | $180.71 | $1461.48 | $121.79 | $0.00 | $0.00 | $0.00 | $853.24 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.641 | 1.632 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 102.16 | 0.1 | 33210.87 | 38.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857026 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.230% | 6.230% | $1569.84 | Yes | 23.000% | $2348.16 | $195.68 | $6786.72 | $565.56 | $0.00 | $0.00 | $0.00 | $2331.08 |  | N/A | XXXX | 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 | 1.072 | 1.052 | 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 | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | LA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2859.02 | 1.2 | 11749.70 | 5 | No | 73 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857027 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.270% | 7.270% | $1726.63 | Yes | 23.000% | $4938.48 | $411.54 | $2649.96 | $220.83 | $0.00 | $0.00 | $0.00 | $2359.00 |  | N/A | XXXX | 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 | 1.06 | 1.06 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70476.86 | 29.9 | 83069.27 | 35.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857029 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.590% | 7.590% | $592.53 | Yes | 24.000% | $1375.56 | $114.63 | $821.04 | $68.42 | $0.00 | $0.00 | $0.00 | $775.58 |  | N/A | XXXX | 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 | 2.675 | 2.675 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15918.65 | 20.5 | 49240.94 | 63.5 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857030 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.550% | 6.550% | $700.48 | Yes | 23.000% | $2772.96 | $231.08 | $819.96 | $68.33 | $0.00 | $0.00 | $0.00 | $999.89 |  | N/A | XXXX | 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 | 1.25 | 1.25 | 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 |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 66764.63 | 66.8 | 74186.73 | 74.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857031 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.450% | $945.69 | Yes | 45.000% | $4803.12 | $400.26 | $303.96 | $25.33 | $2280.00 | $190.00 | $0.00 | $1561.28 |  | N/A | XXXX | XXXX | $190.00 | 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 | 1.089 | 1.089 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27134.99 | 17.4 | 96687.65 | 61.9 | No | 64 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857032 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.680% | 6.680% | $1104.38 | Yes | 23.000% | $6365.16 | $530.43 | $1581.48 | $131.79 | $0.00 | $0.00 | $0.00 | $1766.60 |  | N/A | XXXX | 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% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.387 | 1.387 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 783148.23 | 443.3 | 783148.23 | 443.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857033 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.450% | 7.450% | $535.76 | Yes | 23.000% | $928.80 | $77.40 | $1310.88 | $109.24 | $0.00 | $0.00 | $0.00 | $722.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.038 | 1.038 | 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 |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9895.15 | 13.7 | 40269.19 | 55.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857034 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.960% | 6.960% | $1007.18 | Yes | 23.000% | $2146.56 | $178.88 | $1137.24 | $94.77 | $0.00 | $0.00 | $0.00 | $1280.83 |  | N/A | XXXX | 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 | 1.132 | 1.132 |  | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 52755.38 | 41.2 | 52755.38 | 41.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857036 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.650% | 7.650% | $1260.10 | Yes | 23.000% | $2090.16 | $174.18 | $1986.24 | $165.52 | $0.00 | $0.00 | $0.00 | $1599.80 |  | N/A | XXXX | 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 | 1.25 | 1.25 |  | 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 |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88181.12 | 55.1 | 88181.12 | 55.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857037 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.390% | 6.390% | $896.66 | Yes | 45.000% | $2279.28 | $189.94 | $300.96 | $25.08 | $2400.00 | $200.00 | $0.00 | $1311.68 |  | Yes | XXXX | XXXX | $200.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.441 | 1.441 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 186074.66 | 141.9 | 186074.66 | 141.9 | No | 70 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857039 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.420% | 7.420% | $642.58 | Yes | 23.000% | $1320.48 | $110.04 | $353.64 | $29.47 | $2364.00 | $197.00 | $0.00 | $979.09 |  | Yes | XXXX | XXXX | $197.00 | 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 | 1.277 | 1.277 | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21306.23 | 21.8 | 21306.23 | 21.8 | No | 75 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857040 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.950% | 5.950% | $980.98 | Yes | 23.000% | $1563.12 | $130.26 | $2539.92 | $211.66 | $0.00 | $0.00 | $0.00 | $1322.90 |  | N/A | XXXX | 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 | 1.361 | 1.361 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21428.18 | 16.2 | 21428.18 | 16.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857041 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $882.30 | Yes | 23.000% | $1010.40 | $84.20 | $1118.04 | $93.17 | $0.00 | $0.00 | $0.00 | $1059.67 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.316 | 1.314 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 8617.34 | 8.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857042 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.550% | 6.550% | $1467.68 | Yes | 23.000% | $4556.64 | $379.72 | $1684.56 | $140.38 | $0.00 | $0.00 | $0.00 | $1987.78 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 1 - Not Stated Not Verified |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.409 | 1.409 | 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 \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 799 | 788 | 802 | 768 |  |  |  | 788 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | 11-21-2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 107703.55 | 51 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857043 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.490% | 6.490% | $1086.03 | Yes | 23.000% | $2774.76 | $231.23 | $2050.20 | $170.85 | $0.00 | $0.00 | $0.00 | $1488.11 |  | N/A | XXXX | 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 | 1.646 | 1.646 |  | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | MO | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49855.54 | 33.5 | 49855.54 | 33.5 | No | 66.15 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857044 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.770% | 6.770% | $1299.86 | Yes | 23.000% | $8748.96 | $729.08 | $1856.40 | $154.70 | $0.00 | $0.00 | $0.00 | $2183.64 |  | N/A | XXXX | 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 | 1.282 | 1.282 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34540.00 | 15.8 | 34540.00 | 15.8 | No | 72.73 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857045 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.610% | 7.610% | $774.61 | Yes | 23.000% | $1370.64 | $114.22 | $788.64 | $65.72 | $0.00 | $0.00 | $0.00 | $954.55 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown | Unknown |  |  |  |  |  |  | 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 | 1.205 | 1.205 | 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 | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | HI | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 340521.19 | 356.7 | 344432.80 | 360.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857047 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.720% | 6.720% | $1332.01 | Yes | 23.000% | $6614.04 | $551.17 | $1545.72 | $128.81 | $0.00 | $0.00 | $0.00 | $2011.99 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.193 | 1.193 |  | 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 | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | MN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 594077.22 | 295.3 | 594077.22 | 295.3 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857048 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.160% | 7.160% | $583.12 | Yes | 23.000% | $951.24 | $79.27 | $1135.32 | $94.61 | $0.00 | $0.00 | $0.00 | $757.00 |  | N/A | XXXX | 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 | 1.321 | 1.289 | 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 | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38795.61 | 51.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857049 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.140% | 7.140% | $2563.98 | Yes | 23.000% | $9500.04 | $791.67 | $2487.00 | $207.25 | $500.04 | $41.67 | $0.00 | $3604.57 |  | N/A | XXXX | XXXX | $41.67 | 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 | 1.054 | 1.054 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 431.60 | 0.1 | 361128.36 | 100.2 | No | 38.38 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857050 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $2913.53 | Yes | 24.000% | $4263.12 | $355.26 | $1506.96 | $125.58 | $0.00 | $0.00 | $0.00 | $3394.37 |  | N/A | XXXX | 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 | 1.134 | 1.134 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 319563.39 | 94.2 | 319563.39 | 94.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857051 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.160% | 7.160% | $1394.42 | Yes | 23.000% | $3765.00 | $313.75 | $905.04 | $75.42 | $0.00 | $0.00 | $0.00 | $1783.59 |  | N/A | XXXX | 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 | 1.514 | 1.514 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 191635.62 | 107.4 | 212625.85 | 119.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857052 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $1525.00 | 6.660% | 6.660% | $592.31 | Yes | 23.000% | $5406.84 | $450.57 | $1343.64 | $111.97 | $0.00 | $0.00 | $0.00 | $1154.85 |  | N/A | XXXX | 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 | 1.645 | 1.645 | 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 |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 45900.13 | 39.7 | 11961.90 | 10.4 | No | 74.93 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857053 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.370% | 7.370% | $1214.99 | Yes | 23.000% | $1803.48 | $150.29 | $1701.12 | $141.76 | $0.00 | $0.00 | $0.00 | $1507.04 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.228 | 1.228 |  | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | MO | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54783.10 | 36.4 | 54783.10 | 36.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857054 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.060% | 8.060% | $1510.96 | Yes | 23.000% | $815.88 | $67.99 | $1822.44 | $151.87 | $0.00 | $0.00 | $0.00 | $1730.82 |  | N/A | XXXX | 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 | 1.249 | 1.249 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30755.09 | 17.8 | 33561.10 | 19.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857056 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $1655.73 | Yes | 23.000% | $12767.04 | $1063.92 | $2125.08 | $177.09 | $0.00 | $0.00 | $0.00 | $2896.74 |  | N/A | XXXX | 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 | 1.07 | 1.07 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23352.33 | 8.1 | 23352.33 | 8.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857057 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.110% | 7.110% | $630.66 | Yes | 23.000% | $467.04 | $38.92 | $1353.96 | $112.83 | $0.00 | $0.00 | $0.00 | $782.41 |  | N/A | XXXX | 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 | 1.598 | 1.598 | 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 | OK | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OK | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | OK | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 8005.05 | 10.2 | 50266.48 | 64.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857058 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.720% | 7.720% | $717.91 | Yes | 23.000% | $1626.84 | $135.57 | $714.96 | $59.58 | $0.00 | $0.00 | $0.00 | $913.06 |  | N/A | XXXX | 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 | 1.309 | 1.309 | 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 | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OH | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 45498.76 | 49.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857059 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.400% | 6.400% | $2602.10 | Yes | 24.000% | $4501.44 | $375.12 | $2360.40 | $196.70 | $0.00 | $0.00 | $0.00 | $3173.92 |  | N/A | XXXX | 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 | 1.512 | 1.512 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19103.47 | 6 | 19103.47 | 6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857060 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.520% | 7.520% | $1311.61 | Yes | 23.000% | $5002.92 | $416.91 | $965.04 | $80.42 | $0.00 | $0.00 | $0.00 | $1808.94 |  | N/A | XXXX | 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 | 1.354 | 1.354 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 81375.34 | 45 | 175939.15 | 97.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857062 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.600% | $7807.60 | Yes | 23.000% | $14318.16 | $1193.18 | $4287.24 | $357.27 | $0.00 | $0.00 | $0.00 | $9358.05 |  | N/A | XXXX | 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% |  |  | Proceeds from Sale,Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.069 | 1.069 | 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 | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 123731.41 | 13.2 | 147154.21 | 15.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857063 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.680% | 6.680% | $1339.42 | Yes | 23.000% | $7320.12 | $610.01 | $1605.96 | $133.83 | $0.00 | $0.00 | $0.00 | $2083.26 |  | N/A | XXXX | 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 | 1.104 | 1.104 | 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 |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 103539.13 | 49.7 | 103539.13 | 49.7 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857064 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.680% | 6.680% | $1159.11 | Yes | 23.000% | $7643.16 | $636.93 | $1608.96 | $134.08 | $0.00 | $0.00 | $0.00 | $1930.12 |  | N/A | XXXX | 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 | 1.243 | 1.243 | 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 |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 109860.92 | 56.9 | 109860.92 | 56.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857065 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.980% | 6.980% | $2494.83 | Yes | 24.000% | $4286.16 | $357.18 | $3313.32 | $276.11 | $0.00 | $0.00 | $0.00 | $3128.12 |  | N/A | XXXX | 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 | 1.055 | 1.058 | 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 | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | CT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5731.58 | 1.8 | 66088.62 | 21.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857066 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.150% | 7.150% | $1333.25 | Yes | 23.000% | $2069.64 | $172.47 | $2268.60 | $189.05 | $0.00 | $0.00 | $0.00 | $1694.77 |  | N/A | XXXX | 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 | 1.522 | 1.499 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A |  |  |  | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 265547.37 | 156.7 | 265547.37 | 156.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857067 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.550% | 7.550% | $3785.83 | Yes | 24.000% | $4905.60 | $408.80 | $2654.52 | $221.21 | $0.00 | $0.00 | $0.00 | $4415.84 |  | N/A | XXXX | 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 | 1.246 | 1.246 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 234167.47 | 53 | 247415.08 | 56 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857068 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.550% | 7.550% | $2788.08 | Yes | 24.000% | $9009.96 | $750.83 | $2613.24 | $217.77 | $0.00 | $0.00 | $0.00 | $3756.68 |  | N/A | XXXX | 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 | 1.318 | 1.318 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 232747.18 | 62 | 232747.18 | 62 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857069 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.990% | 5.990% | $1128.94 | Yes | 23.000% | $1716.24 | $143.02 | $783.00 | $65.25 | $174.96 | $14.58 | $0.00 | $1351.79 |  | N/A | XXXX | XXXX | $14.58 | 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 | 1.258 | 1.258 |  | 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 | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | ID | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23572.52 | 17.4 | 64548.90 | 47.8 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857070 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 5.940% | 5.940% | $1047.24 | Yes | 23.000% | $1655.76 | $137.98 | $783.00 | $65.25 | $174.96 | $14.58 | $0.00 | $1265.05 |  | N/A | XXXX | XXXX | $14.58 | 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 | 1.107 | 1.107 |  | 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 | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | ID | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 23572.52 | 18.6 | 58707.35 | 46.4 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857071 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.240% | 7.240% | $944.56 | Yes | 23.000% | $2971.68 | $247.64 | $1570.68 | $130.89 | $720.00 | $60.00 | $0.00 | $1383.09 |  | N/A | XXXX | XXXX | $60.00 | 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 | 1.121 | 1.121 |  | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 20286.10 | 14.7 | 82856.57 | 59.9 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857072 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.040% | 7.040% | $801.59 | Yes | 23.000% | $494.76 | $41.23 | $1306.44 | $108.87 | $0.00 | $0.00 | $0.00 | $951.69 |  | N/A | XXXX | 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 | 1.471 | 1.471 | 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 | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 676 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | GA | United States of America (USA) | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6783.32 | 7.1 | 26189.01 | 27.5 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857074 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $3110.47 | Yes | 23.000% | $5651.88 | $470.99 | $1718.04 | $143.17 | $0.00 | $0.00 | $0.00 | $3724.63 |  | N/A | XXXX | 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 | 1.132 | 1.132 | 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 | DC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11950.45 | 3.2 | 71456.22 | 19.2 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857075 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.890% | 6.890% | $1134.93 | Yes | 23.000% | $8688.60 | $724.05 | $1452.00 | $121.00 | $0.00 | $0.00 | $0.00 | $1979.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.288 | 1.288 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26547.99 | 13.4 | 33257.72 | 16.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857076 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.300% | 7.300% | $575.88 | Yes | 23.000% | $2380.32 | $198.36 | $1460.52 | $121.71 | $1500.00 | $125.00 | $0.00 | $1020.95 |  | N/A | XXXX | XXXX | $125.00 | 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 | 1.224 | 1.224 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34394.96 | 33.7 | 34394.96 | 33.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857077 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $1077.90 | Yes | 23.000% | $3189.36 | $265.78 | $652.08 | $54.34 | $4896.00 | $408.00 | $0.00 | $1806.02 |  | Yes | XXXX | XXXX | $408.00 | 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 | 1.124 | 1.124 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 24382.67 | 13.5 | No | 70 | No | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857078 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.800% | 7.800% | $539.90 | Yes | 23.000% | $1391.04 | $115.92 | $2171.88 | $180.99 | $0.00 | $0.00 | $0.00 | $836.81 |  | N/A | XXXX | 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 | 1.852 | 1.627 | 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 |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6294.23 | 7.5 | 7913.93 | 9.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857079 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.560% | 6.560% | $905.69 | Yes | 23.000% | $951.36 | $79.28 | $345.96 | $28.83 | $2640.00 | $220.00 | $0.00 | $1233.80 |  | No | XXXX | XXXX | $220.00 | 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 | 1.216 | 1.216 | 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 | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41854.53 | 33.9 | 41854.53 | 33.9 | No | 80 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857080 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.610% | 6.610% | $1248.59 | Yes | 23.000% | $2187.96 | $182.33 | $641.40 | $53.45 | $720.00 | $60.00 | $0.00 | $1544.37 |  | N/A | XXXX | XXXX | $60.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.036 | 1.036 | 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 | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | ID | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26142.14 | 16.9 | 118482.34 | 76.7 | No | 63 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857081 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.610% | 6.610% | $1248.59 | Yes | 23.000% | $2187.96 | $182.33 | $641.40 | $53.45 | $720.00 | $60.00 | $0.00 | $1544.37 |  | N/A | XXXX | XXXX | $60.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.036 | 1.036 | 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 | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | ID | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26142.14 | 16.9 | 114031.73 | 73.8 | No | 63 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857082 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $904.26 | Yes | 23.000% | $705.24 | $58.77 | $1655.88 | $137.99 | $0.00 | $0.00 | $0.00 | $1101.02 |  | N/A | XXXX | 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 | 1.408 | 1.408 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51113.39 | 46.4 | 51113.39 | 46.4 | No | 65.71 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857083 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.680% | 7.680% | $1369.79 | Yes | 23.000% | $1342.92 | $111.91 | $1478.28 | $123.19 | $0.00 | $0.00 | $0.00 | $1604.89 |  | N/A | XXXX | 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 | 1.056 | 1.056 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 125.68 | 0.1 | 17851.60 | 11.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857084 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $1497.04 | Yes | 23.000% | $1952.04 | $162.67 | $1488.00 | $124.00 | $0.00 | $0.00 | $0.00 | $1783.71 |  | N/A | XXXX | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.289 | 1.419 |  | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NV | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41412.36 | 23.2 | 46276.05 | 25.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857085 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $1009.10 | Yes | 23.000% | $1148.64 | $95.72 | $1350.00 | $112.50 | $0.00 | $0.00 | $0.00 | $1217.32 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.397 | 1.397 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  | United States | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41130.60 | 33.8 | 41130.60 | 33.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857086 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.840% | 6.840% | $939.34 | Yes | 23.000% | $936.96 | $78.08 | $1183.20 | $98.60 | $0.00 | $0.00 | $0.00 | $1116.02 |  | N/A | XXXX | 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 | 1.389 | 1.389 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A |  |  |  | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 51113.38 | 45.8 | 52646.47 | 47.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857087 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.350% | 7.350% | $1193.30 | Yes | 23.000% | $1382.28 | $115.19 | $2404.68 | $200.39 | $0.00 | $0.00 | $0.00 | $1508.88 |  | N/A | XXXX | 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 | 1.325 | 1.325 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15702.40 | 10.4 | 15702.40 | 10.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857088 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.520% | $1518.51 | Yes | 45.000% | $5852.04 | $487.67 | $1197.00 | $99.75 | $0.00 | $0.00 | $0.00 | $2105.93 |  | N/A | XXXX | 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 | 1.496 | 1.496 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 210421.99 | 99.9 | 322648.33 | 153.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857089 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.450% | $1408.47 | Yes | 45.000% | $4801.56 | $400.13 | $1122.96 | $93.58 | $0.00 | $0.00 | $0.00 | $1902.18 |  | N/A | XXXX | 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 | 1.393 | 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 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 210421.99 | 110.6 | 314740.22 | 165.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856919 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.630% | 7.660% | $1991.64 | Yes | 23.000% | $4264.92 | $355.41 | $2775.12 | $231.26 | $0.00 | $0.00 | $0.00 | $2578.31 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Unknown | Unknown | Unknown |  | .00 |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.745 | 1.736 | 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 \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower 2 - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 727 | 737 | 727 | 691 |  |  |  | 727 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX |  |  | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | 06-09-2029 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54033.36 | 19.2 | 85662.03 | 30.5 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | Member on Behalf of Entity | N/A |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.970% | 7.970% | $5797.79 | Yes | 23.000% | $24678.36 | $2056.53 | $1700.40 | $141.70 | $0.00 | $0.00 | $0.00 | $7996.02 |  | N/A | XXXX | 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 | 1.624 | 1.586 | 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 |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 248703.71 | 30.6 | 265986.66 | 32.7 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856933 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.600% | 7.600% | $2610.71 | Yes | 23.000% | $6088.56 | $507.38 | $3653.88 | $304.49 | $0.00 | $0.00 | $0.00 | $3422.58 |  | N/A | XXXX | 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 | 1.502 | 1.469 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 154676.55 | 41.5 | 168782.67 | 45.3 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.820% | 7.820% | $5943.15 | Yes | 23.000% | $14314.80 | $1192.90 | $8679.96 | $723.33 | $0.00 | $0.00 | $0.00 | $7859.38 |  | N/A | XXXX | 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 | 1.587 | 1.561 | 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 |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34090.35 | 4 | 67254.59 | 7.8 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856935 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $1479.96 | Yes | 23.000% | $4320.36 | $360.03 | $2434.68 | $202.89 | $0.00 | $0.00 | $0.00 | $2042.88 |  | N/A | XXXX | 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 | 1.794 | 1.794 | 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 |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31194.41 | 13.9 | 123696.68 | 55.1 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.860% | 7.860% | $4479.93 | Yes | 23.000% | $10509.36 | $875.78 | $9073.08 | $756.09 | $0.00 | $0.00 | $0.00 | $6111.80 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.571 | 1.582 | 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 |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | SC | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3426.53 | 0.5 | 59967.28 | 8.7 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9856953 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $1645.04 | Yes | 23.000% | $1801.44 | $150.12 | $2606.88 | $217.24 | $0.00 | $0.00 | $0.00 | $2012.40 |  | N/A | XXXX | 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 | 1.615 | 1.621 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57851.51 | 25.9 | 66488.26 | 29.8 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9856994 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.850% | 7.850% | $1670.90 | Yes | 23.000% | $4628.28 | $385.69 | $3108.84 | $259.07 | $0.00 | $0.00 | $0.00 | $2315.66 |  | N/A | XXXX | 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 | 1.706 | 1.706 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 34667.25 | 13.5 | 126477.32 | 49.1 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857009 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $4608.52 | Yes | 23.000% | $6534.36 | $544.53 | $5223.00 | $435.25 | $0.00 | $0.00 | $0.00 | $5588.30 |  | N/A | XXXX | 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 | 1.065 | 1.065 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24731.08 | 4.1 | 41495.95 | 6.9 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857015 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.980% | 7.980% | $2870.89 | Yes | 23.000% | $4321.92 | $360.16 | $2936.28 | $244.69 | $0.00 | $0.00 | $0.00 | $3475.74 |  | N/A | XXXX | 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 | 1.05 | 1.05 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MO | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MO | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58355.98 | 15.7 | 58355.98 | 15.7 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9857016 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.980% | 6.980% | $2216.96 | Yes | 23.000% | $3652.32 | $304.36 | $12582.84 | $1048.57 | $0.00 | $0.00 | $0.00 | $3569.89 |  | N/A | XXXX | 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 | 1.498 | 1.473 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15226.95 | 3.3 | 166940.54 | 36.2 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.090% | 6.090% | $2971.05 | Yes | 23.000% | $6745.92 | $562.16 | $8144.28 | $678.69 | $0.00 | $0.00 | $0.00 | $4211.90 |  | N/A | XXXX | 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 | 1.525 | 1.5 | 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 | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 117580.42 | 24 | 340424.23 | 69.6 | Yes | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857038 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.650% | 7.650% | $1798.62 | Yes | 23.000% | $8016.96 | $668.08 | $2698.44 | $224.87 | $0.00 | $0.00 | $0.00 | $2691.57 |  | N/A | XXXX | 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 | 1.175 | 1.177 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6104.41 | 2.1 | 119038.50 | 40.8 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857055 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.880% | 6.880% | $1302.04 | Yes | 23.000% | $2157.00 | $179.75 | $3202.92 | $266.91 | $0.00 | $0.00 | $0.00 | $1748.70 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.624 | 1.626 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2636.07 | 1.3 | 13504.36 | 6.7 | Yes | 0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9857073 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.650% | 7.650% | $1589.31 | Yes | 23.000% | $3501.12 | $291.76 | $5345.76 | $445.48 | $0.00 | $0.00 | $0.00 | $2326.55 |  | N/A | XXXX | 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 | 1.526 | 1.594 | 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 |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 80543.08 | 29.1 | 178529.23 | 64.4 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732605 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14420 | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 6.953% |  | 6.750% | 6.750% | $6200.60 | No |  | $13836.00 | $1153.00 | $5534.04 | $461.17 | $6684.00 | $557.00 | $0.00 | $8371.77 | $21936.34 | N/A | XXXX | XXXX | $557.00 | XXXX | Monthly | 30.31% | 30.84% | 30.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 70185.89 | 8.4 | 70185.89 | 8.4 | No | 69.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732607 | 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% | $890.63 | No |  | $14860.68 | $1238.39 | $2063.04 | $171.92 | $1584.00 | $132.00 | $0.00 | $2432.94 |  | N/A | XXXX | XXXX | $132.00 | 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 | 1.434 | 1.434 | 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 |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18680.71 | 7.7 | 160972.87 | 66.2 | No | 28.04 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732647 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 7.375% | 7.375% | $1794.58 | No |  | $9714.60 | $809.55 | $3045.00 | $253.75 | $549.96 | $45.83 | $0.00 | $2903.71 |  | N/A | XXXX | XXXX | $45.83 | 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 | 1.033 | 1.009 | 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 |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49145.47 | 16.9 | 49145.47 | 16.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732552 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8925 | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 7.449% |  | 7.250% | 7.250% | $4522.83 | No |  | $39600.00 | $3300.00 | $1710.00 | $142.50 | $0.00 | $0.00 | $0.00 | $7965.33 | $24499.95 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 40.47% | 40.47% | 40.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1099 Verified | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified - ["2024"] - 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 100451.55 | 12.6 | No | 33.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957201 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.450% | 6.450% | $846.56 | Yes | 45.000% | $4912.92 | $409.41 | $2717.16 | $226.43 | $0.00 | $0.00 | $0.00 | $1482.40 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.012 | 1.012 | 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 | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | CT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CT | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 307728.56 | 207.6 | 310268.24 | 209.3 | No | 50 | N/A | No | No | Yes | Member on Behalf of Entity | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9957205 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.720% | 7.720% | $3028.80 | Yes | 45.000% | $11781.84 | $981.82 | $3149.64 | $262.47 | $0.00 | $0.00 | $0.00 | $4273.09 |  | N/A | XXXX | 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 | 1.252 | 1.252 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 140799.95 | 33 | 149886.35 | 35.1 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957206 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.370% | 7.370% | $531.56 | Yes | 23.000% | $1155.24 | $96.27 | $2216.04 | $184.67 | $0.00 | $0.00 | $0.00 | $812.50 |  | N/A | XXXX | 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 | 1.908 | 2.057 |  | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 31593.03 | 59.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957208 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.760% | 7.760% | $1434.21 | Yes | 45.000% | $3507.48 | $292.29 | $780.00 | $65.00 | $0.00 | $0.00 | $0.00 | $1791.50 |  | N/A | XXXX | 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 | 1.225 | 1.225 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 692255.08 | 386.4 | 692255.08 | 386.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957209 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.950% | 7.950% | $3251.22 | Yes | 45.000% | $8931.60 | $744.30 | $1002.00 | $83.50 | $0.00 | $0.00 | $0.00 | $4079.02 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.25 | 1.201 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  | United States | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 99759.42 | 24.5 | 115686.21 | 28.4 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957210 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.160% | 6.160% | $480.67 | Yes | 23.000% | $1092.96 | $91.08 | $798.24 | $66.52 | $0.00 | $0.00 | $0.00 | $638.27 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 2.342 | 2.342 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26668.70 | 41.8 | 36033.46 | 56.5 | No | 55 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957211 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.780% | 7.780% | $1436.97 | Yes | 45.000% | $4135.44 | $344.62 | $4237.44 | $353.12 | $0.00 | $0.00 | $0.00 | $2134.71 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.593 | 1.598 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A |  |  |  | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39548.87 | 18.5 | 43048.87 | 20.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9957212 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $1645.46 | Yes | 23.000% | $8100.84 | $675.07 | $1784.04 | $148.67 | $0.00 | $0.00 | $0.00 | $2469.20 |  | N/A | XXXX | 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 | 1.539 | 1.539 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 303186.35 | 122.8 | 428698.19 | 173.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957214 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.070% | 7.070% | $1877.70 | Yes | 45.000% | $7110.84 | $592.57 | $2679.00 | $223.25 | $0.00 | $0.00 | $0.00 | $2693.52 |  | N/A | XXXX | 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 | 1.04 | 1.077 |  | 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 | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | CT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CT | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 533593.10 | 198.1 | 555282.49 | 206.2 | No | 59 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9957217 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.070% | 7.070% | $603.01 | Yes | 23.000% | $934.20 | $77.85 | $1313.76 | $109.48 | $0.00 | $0.00 | $0.00 | $790.34 |  | N/A | XXXX | 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 | 1.518 | 1.518 |  | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 469133.96 | 593.6 | 469133.96 | 593.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957218 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.830% | 6.830% | $549.30 | Yes | 23.000% | $1294.32 | $107.86 | $762.00 | $63.50 | $0.00 | $0.00 | $0.00 | $720.66 |  | N/A | XXXX | 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 | 1.943 | 1.943 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7561.16 | 10.5 | 43660.72 | 60.6 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957219 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.600% | 6.600% | $7587.27 | Yes | 45.000% | $11702.64 | $975.22 | $7401.48 | $616.79 | $0.00 | $0.00 | $0.00 | $9179.28 |  | N/A | XXXX | 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 | 1.013 | 1.013 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NJ | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28062.07 | 3.1 | 174333.93 | 19 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957220 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.690% | 7.690% | $722.95 | Yes | 23.000% | $1041.12 | $86.76 | $1247.28 | $103.94 | $0.00 | $0.00 | $0.00 | $913.65 |  | N/A | XXXX | 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 | 1.204 | 1.204 | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9356.52 | 10.2 | 57773.16 | 63.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957221 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.730% | 6.730% | $778.16 | Yes | 23.000% | $7171.44 | $597.62 | $1631.04 | $135.92 | $0.00 | $0.00 | $0.00 | $1511.70 |  | N/A | XXXX | 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 | 1.146 | 1.146 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15385.69 | 10.2 | 79047.82 | 52.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957222 | 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% | $1282.49 | Yes | 23.000% | $2009.16 | $167.43 | $1263.84 | $105.32 | $0.00 | $0.00 | $0.00 | $1555.24 |  | N/A | XXXX | 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 | 1.231 | 1.231 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 59960.03 | 38.6 | 59960.03 | 38.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957224 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.780% | 7.780% | $565.81 | Yes | 23.000% | $446.16 | $37.18 | $1065.00 | $88.75 | $0.00 | $0.00 | $0.00 | $691.74 |  | N/A | XXXX | 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 | 1.59 | 1.592 |  | 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 |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 90714.95 | 131.1 | 159456.11 | 230.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957225 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.010% | 7.010% | $1204.84 | Yes | 23.000% | $2470.68 | $205.89 | $2458.56 | $204.88 | $0.00 | $0.00 | $0.00 | $1615.61 |  | N/A | XXXX | 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 | 1.052 | 1.052 | 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 |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | VA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 111221.48 | 68.8 | 111221.48 | 68.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957226 | 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% | $7700.00 | Yes | 23.000% | $4807.68 | $400.64 | $4292.04 | $357.67 | $0.00 | $0.00 | $0.00 | $8458.31 |  | N/A | XXXX | 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 | 1.064 | 1.064 |  | 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 | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 90560.33 | 10.7 | 307037.48 | 36.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957227 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.180% | 7.180% | $1397.21 | Yes | 23.000% | $5697.96 | $474.83 | $1911.00 | $159.25 | $0.00 | $0.00 | $0.00 | $2031.29 |  | N/A | XXXX | 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 | 1.28 | 1.28 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6093.87 | 3 | 15602.49 | 7.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957228 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $623.09 | Yes | 23.000% | $778.56 | $64.88 | $2689.08 | $224.09 | $0.00 | $0.00 | $0.00 | $912.06 |  | N/A | XXXX | 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 | 1.334 | 1.334 |  | 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 | LA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | LA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | LA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 44030.89 | 48.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9957229 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $4822.43 | Yes | 45.000% | $11647.68 | $970.64 | $3702.12 | $308.51 | $0.00 | $0.00 | $0.00 | $6101.58 |  | N/A | XXXX | 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 | 1.049 | 1.052 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 91766.03 | 15 | 91766.03 | 15 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957231 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.300% | 7.300% | $570.40 | Yes | 23.000% | $1913.52 | $159.46 | $956.04 | $79.67 | $0.00 | $0.00 | $0.00 | $809.53 |  | N/A | XXXX | 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 | 1.482 | 1.482 | 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 |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 37867.64 | 46.8 | 77066.11 | 95.2 | No | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957232 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $1704.78 | Yes | 23.000% | $476.64 | $39.72 | $1059.96 | $88.33 | $3300.00 | $275.00 | $0.00 | $2107.83 |  | N/A | XXXX | XXXX | $275.00 | 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 | 1.139 | 1.051 | 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 | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 273748.46 | 129.9 | 273748.46 | 129.9 | No | 69.38 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957233 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $1690.20 | Yes | 23.000% | $2589.00 | $215.75 | $1059.96 | $88.33 | $3300.00 | $275.00 | $0.00 | $2269.28 |  | N/A | XXXX | XXXX | $275.00 | 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 | 1.08 | 1.08 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 273748.46 | 120.6 | 280565.36 | 123.6 | No | 68.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957234 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $1705.86 | Yes | 23.000% | $2589.96 | $215.83 | $1059.96 | $88.33 | $3300.00 | $275.00 | $0.00 | $2285.02 |  | N/A | XXXX | XXXX | $275.00 | 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 | 1.072 | 1.072 | 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 | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 273748.46 | 119.8 | 280945.42 | 123 | No | 69.43 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957235 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $1701.00 | Yes | 23.000% | $670.80 | $55.90 | $1059.96 | $88.33 | $3300.00 | $275.00 | $0.00 | $2120.23 |  | N/A | XXXX | XXXX | $275.00 | 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 | 1.132 | 1.053 | 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 | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 273748.46 | 129.1 | 279752.03 | 131.9 | No | 69.23 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957236 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.480% | 6.480% | $1690.20 | Yes | 23.000% | $2598.00 | $216.50 | $1059.96 | $88.33 | $3300.00 | $275.00 | $0.00 | $2270.03 |  | N/A | XXXX | XXXX | $275.00 | 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 | 1.079 | 1.057 | 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 | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 273748.46 | 120.6 | 273748.46 | 120.6 | No | 68.79 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957237 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.700% | 6.700% | $677.54 | Yes | 23.000% | $1769.04 | $147.42 | $1868.04 | $155.67 | $0.00 | $0.00 | $0.00 | $980.63 |  | N/A | XXXX | 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 | 1.071 | 1.071 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 46746.02 | 47.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957240 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.400% | 6.400% | $647.40 | Yes | 23.000% | $1123.68 | $93.64 | $1095.72 | $91.31 | $0.00 | $0.00 | $0.00 | $832.35 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.442 | 1.442 | 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 | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | AL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | AL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9279.79 | 11.1 | 27057.48 | 32.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957241 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.520% | 7.520% | $1565.81 | Yes | 23.000% | $3357.84 | $279.82 | $1563.96 | $130.33 | $0.00 | $0.00 | $0.00 | $1975.96 |  | N/A | XXXX | 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 | 1.316 | 1.315 | 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 | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43258.75 | 21.9 | 43258.75 | 21.9 | No | 69.84 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957242 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.170% | 7.170% | $2273.91 | Yes | 23.000% | $5604.00 | $467.00 | $2274.60 | $189.55 | $0.00 | $0.00 | $0.00 | $2930.46 |  | N/A | XXXX | 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 | 1.058 | 1.058 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 167080.55 | 57 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957243 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.070% | 7.070% | $653.26 | Yes | 23.000% | $2832.72 | $236.06 | $1722.00 | $143.50 | $0.00 | $0.00 | $0.00 | $1032.82 |  | N/A | XXXX | 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 |  | 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 | WI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | WI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 43535.46 | 42.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957244 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.720% | 8.720% | $670.01 | Yes | 23.000% | $468.00 | $39.00 | $1131.96 | $94.33 | $0.00 | $0.00 | $0.00 | $803.34 |  | N/A | XXXX | 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 | 1.245 | 1.245 |  | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33014.22 | 41.1 | 70843.55 | 88.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957245 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.830% | 6.830% | $961.27 | Yes | 23.000% | $891.36 | $74.28 | $2068.08 | $172.34 | $0.00 | $0.00 | $0.00 | $1207.89 |  | N/A | XXXX | 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 | 1.271 | 1.272 | 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 | AL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | AL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | AL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 56815.32 | 47 | 71478.87 | 59.2 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9957246 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.550% | 6.550% | $953.04 | Yes | 23.000% | $1251.24 | $104.27 | $1361.04 | $113.42 | $0.00 | $0.00 | $0.00 | $1170.73 |  | N/A | XXXX | 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 | 1.708 | 1.708 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 500247.17 | 427.3 | 503446.55 | 430 | No | 63.03 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957247 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.990% | 6.990% | $3489.31 | Yes | 24.000% | $5749.08 | $479.09 | $3393.96 | $282.83 | $0.00 | $0.00 | $0.00 | $4251.23 |  | N/A | XXXX | 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 | 1.176 | 1.088 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 61817.33 | 14.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957249 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $1017.06 | Yes | 23.000% | $2125.56 | $177.13 | $1181.04 | $98.42 | $0.00 | $0.00 | $0.00 | $1292.61 |  | N/A | XXXX | 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 | 1.199 | 1.16 | 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 |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 86585.92 | 67 | 94948.22 | 73.5 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957250 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.080% | 7.800% | $727.69 | Yes | 23.000% | $944.04 | $78.67 | $1113.96 | $92.83 | $0.00 | $0.00 | $0.00 | $899.19 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.335 | 1.335 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 | Missing |  |  |  | XXXX |  | XXXX | Employment Authorization Card or Document |  | XXXX |  | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 22790.76 | 25.4 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957252 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.690% | 6.690% | $974.66 | Yes | 23.000% | $8452.80 | $704.40 | $1503.96 | $125.33 | $0.00 | $0.00 | $0.00 | $1804.39 |  | N/A | XXXX | 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 | 1.372 | 1.372 | 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 |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68647.53 | 38 | 74060.70 | 41 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9957253 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.580% | 7.580% | $554.95 | Yes | 23.000% | $657.96 | $54.83 | $1506.96 | $125.58 | $0.00 | $0.00 | $0.00 | $735.36 |  | N/A | XXXX | 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% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.788 | 2.72 | 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 |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43623.74 | 59.3 | 43623.74 | 59.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957254 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.920% | 7.920% | $628.07 | Yes | 23.000% | $2013.24 | $167.77 | $976.20 | $81.35 | $0.00 | $0.00 | $0.00 | $877.19 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.482 | 1.482 | 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 |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 107859.14 | 123 | 109743.35 | 125.1 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957255 | 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% | $792.91 | Yes | 45.000% | $3034.32 | $252.86 | $1128.36 | $94.03 | $0.00 | $0.00 | $0.00 | $1139.80 |  | N/A | XXXX | 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 | 1.36 | 1.331 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | DE | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16307.32 | 14.3 | 28776.60 | 25.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957262 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.950% | 7.950% | $1071.80 | Yes | 23.000% | $3459.96 | $288.33 | $1389.48 | $115.79 | $0.00 | $0.00 | $0.00 | $1475.92 |  | N/A | XXXX | 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 | 1.254 | 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 | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21292.31 | 14.4 | 25720.07 | 17.4 | No | 74.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957263 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.950% | 7.950% | $2086.88 | Yes | 23.000% | $5240.04 | $436.67 | $1839.96 | $153.33 | $0.00 | $0.00 | $0.00 | $2676.88 |  | N/A | XXXX | 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 | 1.513 | 1.513 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 118719.27 | 44.3 | 150732.24 | 56.3 | No | 78.75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957264 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.940% | 6.940% | $1124.17 | Yes | 23.000% | $2494.08 | $207.84 | $5222.64 | $435.22 | $0.00 | $0.00 | $0.00 | $1767.23 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.047 | 1.047 |  | 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 |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NM | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A |  |  |  | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15730.00 | 8.9 | 13129.58 | 7.4 | No | 60.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957265 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.230% | 7.230% | $3421.12 | Yes | 23.000% | $6215.40 | $517.95 | $4026.96 | $335.58 | $0.00 | $0.00 | $0.00 | $4274.65 |  | N/A | XXXX | 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 | 1.404 | 1.404 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | 0 |  | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4059.83 | 0.9 | 58012.60 | 13.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957266 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.340% | 7.340% | $619.46 | Yes | 23.000% | $1803.48 | $150.29 | $2017.68 | $168.14 | $0.00 | $0.00 | $0.00 | $937.89 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 2.559 | 2.433 | 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 | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82316.15 | 87.8 | 82316.15 | 87.8 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957267 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.360% | 7.360% | $1600.00 | Yes | 23.000% | $2312.40 | $192.70 | $1158.00 | $96.50 | $0.00 | $0.00 | $0.00 | $1889.20 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.056 | 1.056 | 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 | MO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  | United States | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 108575.98 | 57.5 | 114243.49 | 60.5 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957268 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.470% | 6.470% | $736.58 | Yes | 45.000% | $4314.00 | $359.50 | $1688.64 | $140.72 | $0.00 | $0.00 | $0.00 | $1236.80 |  | N/A | XXXX | 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 | 1.641 | 1.641 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | DE | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16307.31 | 13.2 | 61880.32 | 50 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957269 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.860% | 6.860% | $1264.63 | Yes | 23.000% | $2322.24 | $193.52 | $1029.96 | $85.83 | $0.00 | $0.00 | $0.00 | $1543.98 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.36 | 1.138 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 178103.26 | 115.4 | 181897.15 | 117.8 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957270 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.320% | 7.320% | $5358.06 | Yes | 24.000% | $3455.04 | $287.92 | $3840.96 | $320.08 | $0.00 | $0.00 | $0.00 | $5966.06 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.475 | 1.461 | 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 | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 660535.59 | 110.7 | 676609.77 | 113.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957271 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.720% | 7.720% | $575.04 | Yes | 23.000% | $1033.08 | $86.09 | $945.00 | $78.75 | $0.00 | $0.00 | $0.00 | $739.88 |  | N/A | XXXX | 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 | 1.757 | 1.757 | 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 | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | PA | United States of America (USA) | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  | Permanent Non-US Citizen |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1711.95 | 2.3 | 12381.02 | 16.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957273 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.500% | 7.500% | $582.10 | Yes | 23.000% | $1280.28 | $106.69 | $1551.00 | $129.25 | $0.00 | $0.00 | $0.00 | $818.04 |  | N/A | XXXX | 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 | 1.834 | 1.834 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 9514.42 | 11.6 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957274 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.850% | 6.850% | $655.26 | Yes | 23.000% | $1385.40 | $115.45 | $2639.52 | $219.96 | $0.00 | $0.00 | $0.00 | $990.67 |  | N/A | XXXX | 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 | 1.615 | 1.615 | 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 | MS | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MS | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 510037.39 | 514.8 | 513009.43 | 517.8 | No | 64.52 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957275 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.520% | 7.520% | $811.80 | Yes | 23.000% | $1347.00 | $112.25 | $1407.96 | $117.33 | $0.00 | $0.00 | $0.00 | $1041.38 |  | N/A | XXXX | 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 | 1.632 | 1.632 | 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 |  | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9917.36 | 9.5 | 20261.22 | 19.5 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957276 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.150% | 7.150% | $1357.57 | Yes | 23.000% | $5399.88 | $449.99 | $3072.12 | $256.01 | $0.00 | $0.00 | $0.00 | $2063.57 |  | N/A | XXXX | 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 | 1.066 | 1.066 |  | 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 | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 867.67 | 0.4 | 34067.40 | 16.5 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957277 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.360% | 7.360% | $1820.68 | Yes | 23.000% | $6666.00 | $555.50 | $999.96 | $83.33 | $0.00 | $0.00 | $0.00 | $2459.51 |  | N/A | XXXX | 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 | 1.26 | 1.26 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30906.53 | 12.6 | 38285.06 | 15.6 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957278 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.450% | 7.450% | $600.12 | Yes | 23.000% | $2090.04 | $174.17 | $1280.04 | $106.67 | $0.00 | $0.00 | $0.00 | $880.96 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | 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 | 1.589 | 1.405 |  | 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 |  | 816 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11222.06 | 12.7 | 13864.94 | 15.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957279 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.490% | 6.490% | $994.47 | Yes | 23.000% | $5886.96 | $490.58 | $2181.00 | $181.75 | $0.00 | $0.00 | $0.00 | $1666.80 |  | N/A | XXXX | 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 | 1.44 | 1.44 | 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 |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | CA | United States of America (USA) | XXXX |  | XXXX | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 213934.11 | 128.4 | 216917.52 | 130.1 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957280 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.490% | 7.490% | $806.80 | Yes | 23.000% | $1482.12 | $123.51 | $938.04 | $78.17 | $0.00 | $0.00 | $0.00 | $1008.48 |  | N/A | XXXX | 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 | 1.587 | 1.587 | 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 |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1020.10 | 1 | 7791.19 | 7.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957281 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.660% | 6.660% | $1768.51 | Yes | 23.000% | $8482.44 | $706.87 | $1236.00 | $103.00 | $1800.00 | $150.00 | $0.00 | $2728.38 |  | N/A | XXXX | XXXX | $150.00 | 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 | 1.228 | 1.293 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  | US Citizen | N/A |  |  |  | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 110780.01 | 40.6 | 118515.15 | 43.4 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957282 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.030% | 8.030% | $585.01 | Yes | 23.000% | $599.16 | $49.93 | $1554.48 | $129.54 | $0.00 | $0.00 | $0.00 | $764.48 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | 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 | 1.774 | 1.774 | 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 |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 13600.73 | 17.8 | 23457.53 | 30.7 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957310 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.410% | 6.410% | $2388.80 | No |  | $1631.04 | $135.92 | $2375.04 | $197.92 | $725.04 | $60.42 | $0.00 | $2783.06 |  | N/A | XXXX | XXXX | $60.42 | 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 | 1.042 | 1.042 | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 46464.24 | 16.7 | 54904.00 | 19.7 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957213 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.350% | 7.350% | $810.23 | Yes | 23.000% | $2103.72 | $175.31 | $4126.92 | $343.91 | $0.00 | $0.00 | $0.00 | $1329.45 |  | N/A | XXXX | 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 | 1.745 | 1.735 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25359.30 | 15.2 | 70431.65 | 42.1 | Yes | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.320% | 7.320% | $6620.29 | Yes | 23.000% | $14282.88 | $1190.24 | $6302.40 | $525.20 | $0.00 | $0.00 | $0.00 | $8335.73 |  | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Unknown |  |  |  |  |  |  | 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 | 1.171 | 1.099 | 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 | IA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | IA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25.00 | 0 | 233614.33 | 26.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9957223 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.300% | 7.300% | $1326.58 | Yes | 23.000% | $1609.20 | $134.10 | $2118.36 | $176.53 | $0.00 | $0.00 | $0.00 | $1637.21 |  | N/A | XXXX | 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 | 1.554 | 1.324 | 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 | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 89616.81 | 49.4 | Yes | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.270% | 7.270% | $6857.43 | Yes | 45.000% | $19667.52 | $1638.96 | $526.56 | $43.88 | $37800.00 | $3150.00 | $0.00 | $11690.27 |  | N/A | XXXX | XXXX | $3150.00 | 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 | 1.223 | 1.223 | 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 | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 105573918.00 | 9034.7 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957248 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.150% | 7.150% | $1894.52 | Yes | 23.000% | $3187.56 | $265.63 | $3411.96 | $284.33 | $0.00 | $0.00 | $0.00 | $2444.48 |  | N/A | XXXX | 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 | 1.861 | 1.68 |  | 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 |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82199.66 | 30.1 | 207177.65 | 75.9 | Yes | 73.24 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957256 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.570% | 7.570% | $1543.20 | Yes | 23.000% | $3811.08 | $317.59 | $1620.96 | $135.08 | $0.00 | $0.00 | $0.00 | $1995.87 |  | N/A | XXXX | 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 | 1.39 | 1.388 | 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 | IN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6885.65 | 3.2 | 6885.65 | 3.2 | Yes | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9957283 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.900% | 6.900% | $762.99 | Yes | 23.000% | $483.84 | $40.32 | $1747.32 | $145.61 | $0.00 | $0.00 | $0.00 | $948.92 |  | N/A | XXXX | 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 | 1.686 | 1.687 |  | 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 | AR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 10129.09 | 9.3 | Yes | 70 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9695050 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10995.92 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.289% |  | 7.999% | 7.999% | $3955.35 | No |  | $7487.52 | $623.96 | $3123.72 | $260.31 | $0.00 | $0.00 | $0.00 | $4839.62 | $5647.64 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 48.88% | 48.88% | 48.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 98962.92 | 20.5 | 98962.92 | 20.5 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9732564 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $2025.50 | 7.250% | 7.250% | $2235.83 | No |  | $2062.08 | $171.84 | $3265.80 | $272.15 | $0.00 | $0.00 | $0.00 | $2679.82 |  | N/A | XXXX | 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 | 1.371 | 1.371 | 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 | KY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | KY | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24902.07 | 9.3 | 24902.07 | 9.3 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9979400 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12703 | 11/21/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 6.549% |  | 6.499% | 6.499% | $3320.54 | No |  | $5952.72 | $496.06 | $1895.04 | $157.92 | $1200.00 | $100.00 | $0.00 | $4074.52 | $25305.49 | N/A | XXXX | XXXX | $100.00 | XXXX | Monthly | 24.98% | 24.32% | 24.32% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, 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) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | UT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 98053.00 | 24.1 | 98053.00 | 24.1 | No | 28.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9979485 | 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% | $4420.32 | No |  | $13289.16 | $1107.43 | $1407.00 | $117.25 | $1404.00 | $117.00 | $0.00 | $5762.00 | $52050.69 | N/A | XXXX | XXXX | $117.00 | XXXX | Monthly | 28.98% | 28.98% | 28.98% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31951.49 | 5.6 | 31951.49 | 5.6 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9983914 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 0 | 10/09/2025 | 6.310% | LP | Accept | No | 7.348% |  | 7.250% | 7.250% | $9712.48 | No |  | $20937.48 | $1744.79 | $4099.32 | $341.61 | $0.00 | $0.00 | $0.00 | $11798.88 | $28128.70 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 29.55% | 29.55% | 29.55% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 15.00% | 85.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 1 YR W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 220820.18 | 18.7 | 220820.18 | 18.7 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983916 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 17418.66 | 10/14/2025 | 6.290% | DU | Manual Underwriting | No | 7.239% |  | 7.125% | 7.125% | $6728.76 | No |  | $11516.28 | $959.69 | $2811.12 | $234.26 | $7944.00 | $662.00 | $0.00 | $8584.71 | $11623.28 | Yes | XXXX | XXXX | $662.00 | XXXX | Monthly | 42.60% | 42.60% | 42.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 1 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR Business Tax Returns Verified(1065, K1), 1 YR W2 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Business Tax Returns Verified(1065, K1), 1 YR Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 230877.34 | 26.9 | 230877.34 | 26.9 | No | 85 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9983917 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14030.98 | 10/14/2025 | 6.290% | LP | Accept | No | 7.442% |  | 7.250% | 7.250% | $6347.41 | No |  | $11856.00 | $988.00 | $5152.32 | $429.36 | $0.00 | $0.00 | $0.00 | $7764.77 | $19342.62 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 36.10% | 36.10% | 36.10% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 12 | Other | Yes | 12 | 12 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | MN | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MN | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 120516.58 | 15.5 | 120516.58 | 15.5 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983918 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 37984.09 | 10/30/2025 | 6.160% | DU | Approve Ineligible | No | 7.368% |  | 7.250% | 7.250% | $7826.23 | No |  | $12082.56 | $1006.88 | $1047.96 | $87.33 | $0.00 | $0.00 | $0.00 | $8920.44 | $27482.31 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 36.41% | 36.41% | 36.41% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - N/A | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | PA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure - Driver's License | PA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 42352.23 | 4.8 | 42352.23 | 4.8 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983921 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 33101.05 | 11/20/2025 | 6.230% | DU | Accept Eligible | No | 7.410% |  | 7.250% | 7.250% | $7366.69 | No |  | $3492.00 | $291.00 | $1635.96 | $136.33 | $14544.00 | $1212.00 | $0.00 | $9006.02 | $16359.63 | Yes | XXXX | XXXX | $1212.00 | XXXX | Monthly | 40.82% | 40.81% | 40.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 21 | 21 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 54781.64 | 6.1 | 54781.64 | 6.1 | No | 89.99 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9983922 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17167.73 | 11/05/2025 | 6.170% | DU | Approve Ineligible | No | 7.603% |  | 7.375% | 7.375% | $6246.42 | No |  | $5810.40 | $484.20 | $6693.96 | $557.83 | $408.00 | $34.00 | $0.00 | $7322.45 | $11667.56 | Yes | XXXX | XXXX | $34.00 | XXXX | Monthly | 42.85% | 42.85% | 42.85% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 2+ Months | 2+ Months | 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% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 131 | 131 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Lease Agreements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot Act Disclosure | CO | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 116093.78 | 15.9 | 116093.78 | 15.9 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983923 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 3229 | 10/21/2025 | 6.240% | DU | Approve Ineligible | No | 7.722% |  | 7.625% | 7.625% | $14155.87 | No |  | $28125.00 | $2343.75 | $1248.96 | $104.08 | $0.00 | $0.00 | $0.00 | $16603.70 | $32930.30 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.10% | 38.10% | 38.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 177668.74 | 10.7 | 177668.74 | 10.7 | No | 88.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9983924 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 14077.59 | 10/31/2025 | 6.160% | LP | Accept | No | 7.314% |  | 7.250% | 7.250% | $9458.33 | No |  | $19236.72 | $1603.06 | $1814.04 | $151.17 | $1800.00 | $150.00 | $0.00 | $11362.56 | $18480.33 | N/A | XXXX | XXXX | $150.00 | XXXX | Monthly | 43.45% | 43.44% | 43.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 2 | 2 | 0 | 0 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Retirement, SSI and Disability, Other, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 587560.64 | 51.7 | 587560.64 | 51.7 | No | 89.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983925 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5161.85 | 11/24/2025 | 6.260% | DU | Approve Ineligible | No | 7.386% |  | 7.250% | 7.250% | $5832.61 | No |  | $21515.40 | $1792.95 | $4143.00 | $345.25 | $390.00 | $32.50 | $0.00 | $8003.31 | $19449.14 | N/A | XXXX | XXXX | $32.50 | XXXX | Annually | 32.50% | 32.50% | 32.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | IL | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 88746.19 | 11.1 | 88746.19 | 11.1 | No | 89.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983928 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 25544 | 11/11/2025 | 6.260% | DU | Approve Ineligible | No | 7.370% |  | 7.125% | 7.125% | $10105.78 | No |  | $8671.68 | $722.64 | $2429.28 | $202.44 | $339.96 | $28.33 | $0.00 | $11059.19 | $28451.86 | N/A | XXXX | XXXX | $28.33 | XXXX | Annually | 33.39% | 33.39% | 33.39% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 14 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot | HI | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 53871.78 | 4.9 | 53871.78 | 4.9 | No | 89.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9983931 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 10/16/2025 | 6.290% | DU | Approve Ineligible | No | 7.139% |  | 7.125% | 7.125% | $10931.08 | No |  | $3888.00 | $324.00 | $2990.04 | $249.17 | $2580.00 | $215.00 | $0.00 | $11719.25 | $23659.02 | N/A | XXXX | XXXX | $215.00 | XXXX | Annually | 41.92% | 41.92% | 41.92% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 1 | 2 | 2 | NA | NA | No | No | 0 | No | No | Missing | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | ID | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 373889.84 | 31.9 | 373889.84 | 31.9 | No | 83.21 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9983936 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 6413.14 | 08/29/2025 | 6.630% | DU | Approve Ineligible | No | 7.204% |  | 7.125% | 7.125% | $6498.87 | No |  | $15293.04 | $1274.42 | $2035.08 | $169.59 | $2292.00 | $191.00 | $0.00 | $8133.88 | $12981.51 | N/A | XXXX | XXXX | $191.00 | XXXX | Monthly | 42.10% | 44.21% | 44.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 72669.01 | 8.9 | 72669.01 | 8.9 | No | 89.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9983938 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | No | N/A | N/A | 0 | 10/22/2025 | 6.240% | DU | Approve Ineligible | No | 7.464% |  | 7.250% | 7.250% | $8440.99 | No |  | $12467.04 | $1038.92 | $6783.00 | $565.25 | $0.00 | $0.00 | $0.00 | $10045.16 | $22526.98 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 39.46% | 39.65% | 39.65% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 34 | Work Number | Yes | 34 | 34 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Military and Government Assistance - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, Award Letter Verified, Lease Agreements Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 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) |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 282817.37 | 28.2 | 282817.37 | 28.2 | No | 89.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9979497 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3491 | 11/25/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.044% |  | 7.875% | 7.875% | $3133.75 | No |  | $4725.00 | $393.75 | $732.00 | $61.00 | $0.00 | $0.00 | $0.00 | $3588.50 | $7235.42 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 41.85% | 41.85% | 41.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 10 | CPA |  |  |  | Yes | 10 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Primary Residence Rent Income - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9040.51 | 2.5 | 13170.69 | 3.7 | No | 69.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9979394 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5475 | 11/24/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 7.937% |  | 7.499% | 7.499% | $1146.60 | No |  | $3127.68 | $260.64 | $1029.48 | $85.79 | $0.00 | $0.00 | $0.00 | $1493.03 | $46051.15 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 3.31% | 3.31% | 3.31% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OH | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152638.10 | 102.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9979477 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.999% | 7.999% | $4114.56 | No |  | $7109.88 | $592.49 | $2169.00 | $180.75 | $0.00 | $0.00 | $0.00 | $4887.80 | $16239.34 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.92% | 38.29% | 38.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | MA | United States of America (USA) | XXXX |  | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 126720.73 | 25.9 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9985031 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.060% | 7.060% | $1190.32 | Yes | 23.000% | $3426.84 | $285.57 | $2939.40 | $244.95 | $0.00 | $0.00 | $0.00 | $1720.84 |  | N/A | XXXX | 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% |  |  | Stocks/Bonds |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.104 | 1.14 | 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 | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39553.55 | 23.7 | 44938.46 | 27 | No | 72 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9985044 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.050% | 7.050% | $1762.50 | Yes | 23.000% | $7880.04 | $656.67 | $2350.44 | $195.87 | $0.00 | $0.00 | $0.00 | $2615.04 |  | N/A | XXXX | 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 | 1.071 | 1.071 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 130533.24 | 49.9 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9985071 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.400% | 7.400% | $764.61 | Yes | 23.000% | $1056.96 | $88.08 | $1683.12 | $140.26 | $1440.00 | $120.00 | $0.00 | $1112.95 |  | N/A | XXXX | XXXX | $120.00 | 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 | 1.348 | 1.348 | 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 | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | NC | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NC | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 44891.73 | 40.3 | 44891.73 | 40.3 | No | 78.88 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.450% | 7.450% | $11106.96 | Yes | 24.000% | $39055.80 | $3254.65 | $27395.76 | $2282.98 | $20856.00 | $1738.00 | $0.00 | $18382.59 |  | N/A | XXXX | XXXX | $1738.00 | 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 | 1.393 | 1.408 | 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 | CT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | CT | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 693.54 | 0 | 115747.82 | 6.3 | Yes | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.020% | 7.020% | $6057.81 | Yes | 23.000% | $5314.44 | $442.87 | $6896.88 | $574.74 | $0.00 | $0.00 | $0.00 | $7075.42 |  | N/A | XXXX | 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 | 1.254 | 1.27 | 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 | DE | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | DE | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 123073.82 | 17.4 | Yes | 65 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084695 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10220.6 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.455% |  | 6.999% | 6.999% | $1756.22 | No |  | $5834.16 | $486.18 | $819.96 | $68.33 | $3960.00 | $330.00 | $0.00 | $2640.73 | $3032.92 | Yes | XXXX | XXXX | $330.00 | XXXX | Monthly | 48.23% | 48.23% | 48.23% | 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 - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | United States of America (USA) | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 135282.83 | 51.2 | 135282.83 | 51.2 | No | 80 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9979422 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.499% | 8.499% | $1902.89 | No |  | $5032.56 | $419.38 | $2466.96 | $205.58 | $80.04 | $6.67 | $0.00 | $2534.52 | $66575.13 | N/A | XXXX | XXXX | $6.67 | XXXX | Annually | 23.35% | 22.67% | 22.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | N/A | Mexico | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 217446.32 | 85.8 | 217446.32 | 85.8 | No | 77.34 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9979421 | 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% | $1888.78 | No |  | $6388.08 | $532.34 | $1890.96 | $157.58 | $0.00 | $0.00 | $0.00 | $2578.70 | $66530.96 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 23.40% | 22.72% | 22.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | N/A | Mexico | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 222669.77 | 86.3 | 249861.89 | 96.9 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084848 | 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% | $5832.22 | No |  | $8487.12 | $707.26 | $4178.04 | $348.17 | $0.00 | $0.00 | $0.00 | $6887.65 | $64890.02 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 15.35% | 15.35% | 15.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21992.25 | 3.2 | 21992.25 | 3.2 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 9979435 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9538.8 | 11/21/2025 | 5.680% | Manual Underwriting | Manual Underwriting | No | 6.471% |  | 5.999% | 5.999% | $3079.88 | No |  | $25553.04 | $2129.42 | $2095.68 | $174.64 | $999.96 | $83.33 | $0.00 | $5467.27 | $23736.32 | N/A | XXXX | XXXX | $83.33 | XXXX | Annually | 21.09% | 21.09% | 21.09% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | TX | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1464.24 | 0.3 | 1464.24 | 0.3 | No | 44.79 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 10084723 | 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% | $1438.30 | No |  | $5206.92 | $433.91 | $1314.96 | $109.58 | $0.00 | $0.00 | $0.00 | $1981.79 | $6044.21 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 0.64% | 3.54% | 3.54% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 |  | OH | United States of America (USA) | XXXX |  | XXXX | H-1B Visa |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 27487.31 | 13.9 | 27487.31 | 13.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084761 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 6.999% | 6.999% | $2767.38 | No |  | $3661.08 | $305.09 | $1833.96 | $152.83 | $0.00 | $0.00 | $0.00 | $3225.30 | $27674.15 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.34% | 49.31% | 49.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 43201.66 | 13.4 | 43201.66 | 13.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084835 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 33089 | 12/16/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.474% |  | 9.250% | 9.250% | $6252.33 | No |  | $8750.04 | $729.17 | $1655.04 | $137.92 | $0.00 | $0.00 | $0.00 | $7119.42 | $28708.64 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 36.24% | 36.24% | 36.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 675 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 99730.09 | 14 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084870 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13887.32 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 6.394% |  | 6.125% | 6.125% | $3864.40 | No |  | $9937.56 | $828.13 | $1227.00 | $102.25 | $0.00 | $0.00 | $0.00 | $4794.78 | $12595.81 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 42.05% | 42.05% | 42.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 | Other | I-51 Permanent Resident Card | N/A | Mexico | XXXX |  | XXXX | I-551 Conditional Permanent Resident Card w/ USCIS 1-751 |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 130424.46 | 27.2 | 130424.46 | 27.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084850 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 37153.66 | 12/08/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 6.420% |  | 5.999% | 5.999% | $4885.47 | No |  | $15600.48 | $1300.04 | $2062.56 | $171.88 | $3000.00 | $250.00 | $0.00 | $6607.39 | $15086.58 | N/A | XXXX | XXXX | $250.00 | XXXX | Monthly | 32.95% | 32.95% | 32.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 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) - Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | Yes | No | N/A | 101020.97 | 15.3 | 101020.97 | 15.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084817 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 16082.5 | 12/03/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.365% |  | 7.999% | 7.999% | $4365.48 | No |  | $8750.04 | $729.17 | $1572.00 | $131.00 | $0.00 | $0.00 | $0.00 | $5225.65 | $7175.78 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 43.10% | 43.10% | 43.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 147816.17 | 28.3 | 61016.17 | 11.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084859 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14695 | 12/16/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 6.926% |  | 6.625% | 6.625% | $3201.55 | No |  | $5027.40 | $418.95 | $1737.96 | $144.83 | $0.00 | $0.00 | $0.00 | $3765.33 | $15264.93 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 24.79% | 23.87% | 23.87% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NV | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 30932.43 | 8.2 | 517328.82 | 137.4 | No | 25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX |  | 9979582 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 25907 | 12/24/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 6.561% |  | 6.375% | 6.375% | $8890.15 | No |  | $18755.88 | $1562.99 | $1923.96 | $160.33 | $0.00 | $0.00 | $0.00 | $10613.47 | $16792.99 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.39% | 44.39% | 44.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 110669.12 | 10.4 | 114249.55 | 10.8 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084808 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/12/2025 | 5.700% | Manual Underwriting | Manual Underwriting | No | 8.204% |  | 7.750% | 7.750% | $4781.68 | No |  | $13777.20 | $1148.10 | $3174.00 | $264.50 | $1550.04 | $129.17 | $0.00 | $6323.45 | $15951.14 | N/A | XXXX | XXXX | $129.17 | XXXX | Annually | 33.27% | 33.27% | 33.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 11111.40 | 1.8 | 11111.40 | 1.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084686 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13190 | 12/17/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 7.526% |  | 7.250% | 7.250% | $4502.36 | No |  | $9464.76 | $788.73 | $1227.96 | $102.33 | $0.00 | $0.00 | $0.00 | $5393.42 | $8214.34 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 45.37% | 44.12% | 44.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 92.15% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25209.62 | 4.7 | 25209.62 | 4.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10085014 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10995 | 12/21/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.215% |  | 7.999% | 7.999% | $6456.51 | No |  | $13749.96 | $1145.83 | $2738.28 | $228.19 | $0.00 | $0.00 | $0.00 | $7830.53 | $48389.90 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 19.60% | 18.19% | 18.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | Israel | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 459200.31 | 58.6 | 459200.31 | 58.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084969 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.999% | 7.999% | $1870.92 | No |  | $4355.40 | $362.95 | $1524.96 | $127.08 | $0.00 | $0.00 | $0.00 | $2360.95 | $24011.01 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 38.26% | 33.75% | 33.75% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 146.52 | 0.1 | 235274.78 | 99.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10085007 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.499% | 8.499% | $3356.00 | No |  | $5081.88 | $423.49 | $1566.00 | $130.50 | $0.00 | $0.00 | $0.00 | $3909.99 | $67005.96 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 8.60% | 8.60% | 8.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | 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), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 229578.04 | 58.7 | 229578.04 | 58.7 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084893 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11255.19 | 12/30/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.668% |  | 7.375% | 7.375% | $3602.56 | No |  | $8024.76 | $668.73 | $1356.24 | $113.02 | $0.00 | $0.00 | $0.00 | $4384.31 | $4594.32 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.09% | 49.09% | 49.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Consular Card |  | N/A | Mexico | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 48948.94 | 11.2 | 48948.94 | 11.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084857 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/22/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.683% |  | 7.499% | 7.499% | $3481.75 | No |  | $2868.12 | $239.01 | $2223.96 | $185.33 | $0.00 | $0.00 | $0.00 | $3906.09 | $12767.46 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 35.65% | 36.19% | 36.19% | 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), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 18960.06 | 4.9 | No | 74.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084665 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.099% |  | 7.750% | 7.750% | $2003.47 | No |  | $4672.56 | $389.38 | $1545.96 | $128.83 | $0.00 | $0.00 | $0.00 | $2521.68 | $20253.83 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 20.48% | 20.48% | 20.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX |  | XXXX | Passport |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 63738.47 | 25.3 | 235755.77 | 93.5 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084882 | 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% | $3384.31 | No |  | $6285.36 | $523.78 | $1007.04 | $83.92 | $0.00 | $0.00 | $0.00 | $3992.01 | $8908.93 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 44.36% | 44.13% | 44.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 56162.52 | 14.1 | No | 71.01 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084749 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/08/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 7.648% |  | 7.125% | 7.125% | $1342.05 | No |  | $3112.56 | $259.38 | $1725.00 | $143.75 | $0.00 | $0.00 | $0.00 | $1745.18 | $3600.41 | N/A | XXXX | XXXX | $0.00 | XXXX |  | 49.86% | 49.76% | 49.76% | Yes |  |  |  |  |  |  |  | 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), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | 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 of America (USA) | XXXX |  | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 232686.00 | 133.3 | 225216.00 | 129.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX |  | 10084856 | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9264.3 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.733% |  | 7.375% | 7.375% | $2441.29 | No |  | $4221.96 | $351.83 | $560.64 | $46.72 | $24.00 | $2.00 | $0.00 | $2841.84 | $5068.88 | N/A | XXXX | XXXX | $2.00 | XXXX | Monthly | 36.65% | 36.65% | 36.65% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 12 | NA | 0 | No | 0 | Yes | 96 | 96 | Other | Yes | 36 | 36 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS Personal Tax Returns Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime, SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX |  | XXXX | N/A |  | XXXX | Non Permanent Resident Alien | Undocumented Non-US Citizen | Yes - ITIN Letter/Certificate | Standard Driver's License - Not for federal Use |  | WA | United States of America (USA) | XXXX |  |  | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 66657.09 | 23.5 | 66657.09 | 23.5 | No | 70 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

 **Schedule 6 - Rating Agency Multi-Property Valuation Report**

Rating Agency Multi-Property Valuation Report v9.25

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| XXXX |  | 9856919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .5333 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .5333 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | 1076665.6667 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | MARK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0417 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0417 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | -.1299 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1299 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | -.2057 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.2057 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0519 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0519 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | -.3000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.3000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.92 | XXXX | XXXX | -.0260 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0260 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0483 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0857 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | -.1406 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | -.1406 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | -.1406 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | -.1406 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | No Risk Score Provider | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | -.1406 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | -.1406 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.85 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | -.0687 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0687 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.37 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | -.1684 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1684 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9856994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.00 | XXXX | XXXX |  |  |  |  | XXXX | XXXX | .2658 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2658 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.00 | XXXX | XXXX |  |  |  |  | XXXX | XXXX | .1444 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1444 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0784 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0000 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | -.0707 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0707 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1616 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | -.0375 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0375 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | -.0690 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0690 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | -.0588 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0588 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1275 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .2381 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2381 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1579 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857038 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .1900 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1900 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | -.0204 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0204 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .1189 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9857073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .1143 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1143 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0762 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0762 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .1316 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1316 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | .0378 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0378 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0270 |  |  |  | XXXX | XXXX | .2000 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0270 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | -.0600 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0600 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX | -.0171 | XXXX | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0171 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0169 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0169 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957223 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0286 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0286 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 72.71 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957239 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.53 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.09 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX |  | 9957256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9957283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9984966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX |  | 9985020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.00 | XXXX | XXXX | .0000 |  |  |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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